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Owning a car is a big responsibility. Having the right insurance for you is an important step. There are many things to consider. Any number of things could go wrong. Make sure you’re ready. If your engine fails, will insurance cover it? Read more to find out.

What Kinds Of Car Insurance Are There?

Depending on your insurance provider and where you live, there are many kinds of insurance to choose from. The most common, and often required, are Liability, Collision, and Comprehensive Insurance. Uninsured /Underinsured Motorist Protection and Personal Injury Protection (or No-Fault) are also popular options. There are many kinds of extended coverage to choose from. Shop around, and check out different providers to find the best fit for you.

What Does Insurance Cover?

  • Liability Insurance covers the other party’s medical bills, vehicle repairs, and property damage when an accident is your fault.
  • Collision Insurance pays to fix or replace your own vehicle after an accident.
  • Comprehensive Insurance protects your vehicle against certain types of damage (animal collision, theft, weather damage).
  • Personal Injury Protection covers your medical bills, along with those of your passengers, after an accident – regardless of who caused the accident!
  • Uninsured /Underinsured Motorist Protection covers other people that drive your car in case of an accident. Their own insurance may not cover the costs, this makes sure you won’t have to pay out of pocket.

Types of Engine Failure

Engine Failure

There are many ways for an engine to fail. If your engine failure is due to an accident, fire, or theft you may be able to make a claim through standard insurance. Standard insurance will not cover repairs if your engine fails because of regular use such as damage from potholes, mileage, or a factory recall. However, there are options. In some cases, Auto Repair Insurance (also known as mechanical breakdown or car repair insurance) may cover these costs. This kind of insurance comes at a premium. It may be better to consider a warranty or set money aside for those kinds of repairs.

Insurance vs Warranty

Insurance and warranties are very similar, either will cover certain kinds of repair. The big difference is that warranties don’t assign fault. Your warranty will cover the costs of repair regardless of how the damage was caused. You can purchase warranties through your dealership or a private company, either before or after the sale of your vehicle. The warranty covers certain types of repair for a predetermined amount of time. When your vehicle has aged or reached a certain mileage, the warranty is no longer valid.


Standard car insurance may cover the cost of repairs for engine failure. Extended insurance coverage might pay for the cost of repairs if they aren’t covered by standard plans. Warranty is another option. However, warranties come with an expiry date and may not meet your needs. If none of those options works for you, you can also choose to set money aside on a regular basis and have a savings plan in case of unexpected repairs. The important thing is to be informed, shop around, and do what is best for you.

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