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Auto Insurance Claims/Auto Insurance coverage for new engine

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Expert: - 10/1/2009


Question
My wife was on a long road trip recently in my 2000 Mercedes.  The engine overheated, and so much damage was done the engine now needs to be replaced.  Apparently, the thermostat was defective and failed to properly register the heat that arose from some fan clutch problem.  I do not blame her, as she had no real warning.  Still, the engine was damaged beyond the point of repair.

Will my auto insurance cover this?

Answer
Hello Jay,

I am sorry to hear about your problem. This is a warranty problem and not an insurance issue. Most (99.9%) of insurance policies exclude mechanical breakdown from coverage. They cover accidents and not damages by defective components. You can file a claim and see where it goes, but most likely there is not coverage for your situation.

Good Luck
http://www.auto-insurance-claim-advice.com/

Auto Insurance Claims

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Anne

Expertise

Auto insurance claims regarding vehicle accidents, insurance coverages, auto policies, bodily injury claims, pain and suffering, injury settlements and negotiations.

Experience

I am an adjuster for injury claims and property damage claims for over 5 years (still working there). I have worked for personal injury attorneys helping consumers get a fair treatment and I am passionate to help others with their vehicle accidents.

Education/Credentials
B.A. Economics/ Political Science

Awards and Honors
I was the top settling claims adjuster at the Insurance Company that I worked for.
I am the co writer of http://www.auto-insurance-claim-advice.com a website dedicated to help consumers document their auto claims and navigate the complex claim process.

Past/Present Clients
I work with injury lawyers working on high dollar settlements and jury awards for pain and suffering see: Spokane Law Office.

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