Car insurance covers the engine? Learn more about it at SeguroAuto

Are you unsure whether auto insurance covers the engine? Read the text and find out what you need to know about the subject!

Car insurance covers the engine in some situations, but not in others. To be sure of your rights, it is essential to know what these cases are.

We wrote this article to help you with this topic. In addition to talking about when car insurance covers the engine, we also talk about when it covers transmission and mechanical problems. Keep reading!

Find out when car insurance covers the engine

Imagine that your car is involved in an accident and the engine is damaged. If this happens, you will be covered by the insurance company.

In other words, you will receive compensation offered by the company to pay for the damage to the engine.

We can therefore say that when the damage to the engine is caused by other accidents, coverage will be provided.

But there are several other situations that are not covered by insurance companies. Among them, we can mention:

• Blown engine;
• Electrical problems;
• Factory defect;
• Engine with mechanical defects;
• Maintenance defects at the dealership or mechanic shop.

These are problems that the insurer considers either to be the user's fault, due to carelessness or lack of maintenance, or as having occurred for an unknown reason.

Therefore, the coverage will not be provided by the company. The consumer will have to bear the loss alone.

Let's look at another example so you can understand the relationship between recklessness and lack of coverage. Imagine that your insurance covers flooding.

In this case, if a flood occurs and damages your engine, the repair will be covered. However, only if you have not put yourself at risk.

During a flood, authorities recommend Do not go through the water and go to high places. If you do exactly the opposite, you will be reckless and taking the risk of damage. The insurance company may then refuse to offer coverage.

In any case, excluded risks are always listed in the policy. Excluded risks are situations not covered by the insurer.

Despite everything we have said, if your car has engine problems, you can count on 24-hour assistance. Most insurance companies offer this service.

Assistance helps the user, for example, with a tow truck, after a dry or electrical failure. The insurance company will not pay for engine repairs, but will help you tow the car.

Does insurance cover engine and gearbox?

When the car has an automatic transmission, damage to it is covered, especially if an accident occurs, especially if the damage is major.

But before contacting your insurance company, it is important to check the cost of the repair. If it is lower than your deductible, it will be more advantageous to pay the damage yourself.

After all, the deductible is the amount you need to pay after a partial loss. If your deductible is R$500.00 and the repair is R$300.00, it will be cheaper to pay for the repair yourself. Do you agree?

It is worth mentioning that, as in the case of the engine, the transmission coverage only exists for damages caused by accident. If the reasons are other, such as lack of maintenance, misuse or manufacturing defects, the company will not pay for the loss.

Also remember that coverage for the gearbox and engine only occurs when the loss is covered in the policy.

In other words, if the damage occurs due to a collision, but your policy does not cover collision, the repair will not be paid for by the insurer.

Does insurance cover mechanical problems?

Insurance companies understand that mechanical problems happen:

• By misuse; and
• Due to lack of proper maintenance of the car.

In both cases, the damage is caused by the user himself. Therefore, it is the driver's responsibility, as are his losses.

This means that the insurance company does not cover mechanical problems.

Understand car insurance coverage

As mentioned in the text, a claim can be partial, but also complete.

A partial accident is one that causes damage to the car that is less than 75% of its market value. In this situation, the vehicle will be taken to the garage and repaired.

For this to happen, the insured must pay the insurance deductible. The deductible can be a fixed amount or a percentage, and will “help” pay for the loss.

For example: your deductible is R$500.00, and the car repair will cost R$1,300.00. This means that you will pay R$500.00 to the mechanic, and the insurance company will pay the remaining R$800.00.

A full claim does not charge a deductible. It occurs when the damage to the vehicle exceeds 75% of its market value.

In this situation, the user receives full compensation to purchase a new vehicle.

There you go! Now you know when auto insurance covers the engine and other situations. If in doubt, also talk to your insurance company.