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Auto Insurance Claims/Will Comprehensive cover Engine Damaged trying to extract vehicle

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Expert: Bennie719 - 7/14/2009


Question
My vehicle became stuck and while trying to extract it I damaged my engine. It looks like I am looking at either a used replacement or a new complete engine (snapped rod damaging the block) any way this would be covered as a comprehensive claim?

Answer
Hi Ron,
Sorry, but this is a mechanical failure loss and there is no way
that it can be covered under comprehensive nor any other portion
of your policy.

In the legal wording of your auto policy (not the declarations page)
look under Car Damage to read the full list of items covered by
comprehensive.

I hope this information helps.

Bennie
San Francisco Bay Area  

Auto Insurance Claims

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Bennie719

Expertise

I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. I am also thoroughly familiar with claims handeling procedures. Will answer questions related to the above.

Experience

Experience in the area: Served as an expert at askme.com from 7/2000 thru 10/2002 in the catagories of general insurance, auto and home insurance. Answered 422 questions before that site closed. Licensed in California since 1961, first in Life and Health for 2 + years and as a Property/Casualty Agent/Broker since 1964. I sold my business and took early retirement in 1998. Still maintain a valid California Property/Casualty Agent/Broker license. I have been a volunteer at allexperts.com since 2002. I can provide assistance in the following fields: Property and Casualty Insurance, Insurance Law, Auto Insurance Claims.

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