One of the most common questions we get asked is “will insurance cover a blown motor?”. The answer, unfortunately, is not as straightforward as we would like it to be. It really depends on the specifics of your policy and your insurer. In some cases, yes, you may be covered for a blown motor. But in other cases, you might only be covered for the repairs or replacements that are necessary to get your vehicle back on the road. To give you a better idea of what to expect, let’s take a look at a few different scenarios in which insurance might (or might not) cover a blown motor.
How to know if you have a blown motor
A blown motor can be a serious issue for your car. If you’re not sure whether or not you have a blown motor, there are a few things you can check for:
– Knocking or pinging sounds coming from the engine
– Loss of power while driving
– Rough idling
– Excessive smoke coming from the exhaust
If you notice any of these symptoms, it’s important to have your car checked out by a mechanic as soon as possible. A blown motor can cause extensive damage to your car and may even render it unusable.
What are the symptoms of a blown motor?
There are a few tell-tale signs that your car has suffered a blown motor. These symptoms include:
1. Loud noise coming from the engine bay – this is usually a sign that something has exploded inside the engine!
2. The car will not start – if the engine is completely damaged, it will not be able to start up
3. White/blue smoke coming from the exhaust – this is caused by oil and coolant leaking into the combustion chamber
4. The engine feels like it’s shaking or vibrating excessively – this is due to the pistons being damaged and not working properly anymore
5. The check engine light is illuminated on the dashboard – this indicates that there is a serious problem with the engine
What to do if you have a blown motor
If you’re unfortunate enough to have a blown motor, there are a few things you can do to try and get your insurance to cover the repairs. First, you’ll need to file a claim with your insurance company. Be sure to have all of the necessary documentation, including any police reports or witness statements, as well as an estimate of the repairs from a qualified mechanic.
Once you’ve filed your claim, it’s important to be proactive in following up with your insurance company. Keep track of all correspondence and make sure to follow up on any outstanding issues. If your insurance company denies your claim, you may want to consider hiring an attorney who specializes in insurance disputes.
How much does it cost to fix a blown motor?
There’s no easy answer to how much it costs to fix a blown motor. The severity of the damage will dictate the cost of repairs. For example, if your engine has seized and needs to be replaced, you’re looking at a repair bill in the thousands of dollars. However, if the damage is less severe, such as a blown head gasket, you can expect to pay several hundred dollars for repairs.
No matter the severity of the damage, it’s important to remember that insurance likely won’t cover the cost of repairs for a blown motor. This is because most insurance policies consider a blown motor to be a result of negligence on the part of the driver. So, if you have a blown motor, you’ll likely have to pay for repairs out of pocket.
Will insurance cover a blown motor?
If your car has a blown motor, you’re probably wondering if your insurance will cover the repairs. The answer depends on a few factors, including the type of insurance you have and what caused the engine to fail.
If you have comprehensive coverage, your insurance company may help pay for repairs if the engine failure was caused by something other than a collision, such as a faulty part or extreme weather conditions. However, if the engine failure was due to your own negligence (e.g., not getting routine maintenance), you likely won’t be covered.
If you only have liability insurance, your policy will only pay for damage you cause to other people or property; it won’t cover repairs to your own car. So, if your engine blew because of something you did (or didn’t do), you’ll be responsible for the entire repair bill.
To avoid being stuck with a huge repair bill in the event of an engine failure, it’s important to keep up with routine maintenance and make sure you have comprehensive coverage on your car insurance policy.
There you have it! Whether or not your insurance will cover a blown motor depends on the specifics of your policy. However, in general, most insurance companies will not cover this type of damage. So, if you’re thinking about taking your car out for a joyride and blowing up the engine, you might want to think twice!