Will Car Insurance Pay For A New Engine For My Car?


If you have a car, you know that it’s not a cheap thing to own. Buying a new car, taking it to the mechanic, and maintaining it can be expensive, but for the most part, owners have to pay for most of these expenses. When buying a new car, we are asked about many things, including what kind of engine the car will have and what other options are available to us. Some of the questions have to do with the cost of car insurance, such as whether or not they will pay for the replacement of an engine in the vehicle.

Will Car Insurance Pay For A New Engine For My Car?

Since many of you are likely wondering, this article is made for car owners who can be pretty clueless when it comes to car insurance, especially new drivers. You see, car insurance is a big deal. It pays for your car, covers repairs and replacement, and covers you if you’re injured in a car accident. There are a lot of the ins and outs to car insurance, however, so we’re going to cover some of the basics. There is no way any car insurance company pays for a new engine unless it is caused by an accident. For clarification, here are different car insurances that you can purchase: 

Collision Car Insurance 

This is only intended to cover damage from crashes, not from other interventions, like parking or getting stuck in a snowbank.

Comprehensive Car Insurance

It covers damage to your car from things like storms, theft, and vandalism.

Liability Car Insurance

It covers the damage and injuries you or your passengers cause to others.

As you can see on the said insurance, no one can cover your new engine. Unless the company offers you the type of insurance that can cover your mechanical problem. Mechanical Breakdown Insurance (MBI).

What is Mechanical Breakdown Insurance? 

An insurance policy can cover a lot of bases. From damage, you may cause to your car to the costs of repairing or replacing your vehicle if it is damaged by someone else. However, coverage only goes so far, and accidents can happen to even the best driver, completely out of the blue. This is why a car breakdown insurance policy is a wise addition to any car owner’s car insurance policy.

Car breakdown insurance is one of those things that people tend to forget about, but it’s an important one if you have a family or a lot of expensive car parts. Well, the truth is that statistically, most cars are insured for less than you’d expect. Most car insurance policies cover less than ten percent of the cost to repair your vehicle. Now, if you have to have a mechanic come out and fix your car, that’s one thing, but if you have an expensive car and it’s more expensive for your insurance company to fix than to replace, that’s when this coverage can pay off.

How much Mechanical Breakdown Insurance?

Why is it that a car breaking down can be so stressful? It’s not just the inconvenience. It’s not just the fact that you can’t drive your vehicle until it’s fixed. It’s not just the need to call the people who you depend on for your daily commute, leading to a possible loss of income. It’s not just the fact that you can’t drive to work, and when you’re in a rush, having to wait for public transport can be a real pain. Drivers of all generations can agree on one thing: the cost of car insurance can be expensive. How much you pay depends on a variety of factors, like your driving record and geographical location. But what exactly is covered, and what isn’t? And how much will you pay? We’ll walk you through it. 

The average cost of mechanical breakdown insurance is just under $400 but can vary greatly. If you do not have a hefty deductible, you can expect to pay just a few dollars a month, but you may be looking at closer to $100 a month if you have a higher deductible.

It’s getting harder to make car-buying decisions. With so many financing and car insurance options, it’s getting harder to sort through all the options and find what is best for you. Even if you’re not a car-savvy person, you can still make a good decision. You just need to know what to look for.

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