Does full coverage cover engine failure?

"I have full coverage on my 2009 Ford F150. My engine is failing. Can I submit a claim through my insurance for repairs?"

Answer
“Your comprehensive insurance and collision insurance most likely won’t provide you with any coverage.
Comprehensive insurance is designed for any covered peril that may cause damage to your vehicle, like hitting a deer or vandalism. Collision insurance covers damage to your vehicle when you collide with another vehicle or object. Unless your engine failure is due to one of these situations, you wouldn’t have coverage.
Depending on where you purchased your vehicle from, you may have some type of extended warranty with the dealership. You can always confirm with them to see if it would be covered under any of their policies.
If not, you’ll need to cover the repairs yourself. Depending on the cost, it may be worth looking into either trading in your vehicle or selling it as is.”
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Emily Maracle
Answered on Jul 26, 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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