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Will Insurance Replace Your Motor if It Blows Up? Exploring Coverage Options

Will Insurance Replace Your Motor if It Blows Up? Exploring Coverage Options


Experiencing a blown motor in your vehicle can be a frustrating and costly event. Naturally, many vehicle owners wonder if their insurance will cover the expenses of a blown motor. In this informative article, we will explore the factors that determine whether insurance will replace your motor if it blows up. By understanding the various coverage options available, you can make informed decisions about protecting your investment and mitigating potential financial burdens.

Understanding Comprehensive Coverage:

Comprehensive coverage is an optional add-on to your auto insurance policy that typically covers damages caused by incidents other than collisions. While comprehensive coverage generally includes protection against perils such as theft, vandalism, and natural disasters, it may not explicitly cover a blown motor. Therefore, it is essential to review your policy or consult with your insurance provider to determine if blown motor incidents fall under your comprehensive coverage.

Mechanical Breakdown Coverage:

Mechanical breakdown coverage is designed specifically to cover repair costs associated with mechanical failures, including blown motors. However, it's important to note that this type of coverage is not commonly included in standard auto insurance policies. If you are concerned about potential motor failures, it is worth discussing the option of adding mechanical breakdown coverage to your policy with your insurance provider.

Extended Warranty or Service Contracts:

Some vehicle owners may have an extended warranty or service contract in place, which could cover the cost of a blown motor. These contracts typically provide protection beyond the manufacturer's warranty period and may include coverage for mechanical failures. Review the terms and conditions of your extended warranty or service contract to determine if a blown motor is covered and what steps need to be taken to file a claim.

Factors Influencing Coverage:

The availability and extent of coverage for a blown motor can vary depending on several factors, including the specific terms and conditions of your insurance policy, the age and condition of your vehicle, and the cause of the motor failure. Insurance providers may investigate the cause of the blown motor to determine if it resulted from negligence, lack of maintenance, or wear and tear. Understanding these factors can help manage expectations and determine the likelihood of coverage.

Filing a Claim:

If you believe your insurance policy covers a blown motor, it is essential to contact your insurance provider promptly. They will guide you through the claims process, which typically includes providing documentation such as photographs of the damaged motor, maintenance records, and any other supporting evidence requested. Cooperate fully with your insurance company and follow their instructions to ensure a smooth and efficient claims process.

Consulting an Insurance Professional:

If you are uncertain about the coverage options available to you or need guidance on how to handle a blown motor incident, consider consulting an insurance professional. They can provide expert advice tailored to your specific situation, review your policy, and suggest any necessary amendments or additional coverage options to better protect against future motor failures.


While insurance coverage for a blown motor may vary, it is crucial to review your policy and understand the available coverage options. Comprehensive coverage, mechanical breakdown coverage, and extended warranties or service contracts are factors to consider when determining if insurance will replace your motor if it blows up. Remember to consult with your insurance provider and seek professional advice to ensure you have the appropriate coverage to protect your vehicle investment and mitigate potential financial hardships associated with motor failures.