Are engine failures covered by car insurance?

I drive a 1998 Dodge Ram, and I'm worried about my engine giving out based on its age. Would my insurance cover an engine failure?

Answer
“Driving an older car can come with a whole host of headaches. While you may save money on insurance, you always run the risk of it dying sooner than later.
Unfortunately, car insurance typically will not cover engine failure unless it’s due to a covered peril or accident. If you were in an accident which caused your engine to fail, your insurance should cover you.
If you were at fault and had collision insurance on your policy, your insurance would likely cover the cost of repairing your vehicle. If it’s marked a total loss, they typically pay out the actual cash value of your car.
If you weren’t at fault in the accident, the other party’s insurance should cover the damage or repairs. If it’s marked a total loss, they’d pay out the actual cash value of your vehicle.
However, your insurance will not cover engine failure if it’s due to regular wear and tear or maintenance. If you experience engine failure and can’t link it to a covered event, you’d have to pay for those costs out of pocket.
Although your insurance may not cover engine failure, it’s still important to have insurance on your car. If you’re looking for a new insurance company, Jerry can provide you with competitive quotes in under a minute. Swapping is just as effortless. Jerry will even help with all the paperwork and phone calls that come with cancelling your old policy—oh, and it’s always free to download!”
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Emily Maracle
Answered on Sep 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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