What about damage from bad fuel or oil?

Contamination and improper maintenance are excluded. A product liability claim against the fuel supplier may apply.

Engine seized?

Does Auto Insurance Cover Engine Failure? (US)

No — mechanical breakdown is excluded. Only sudden covered perils (fire, flood, collision) that damage the engine are paid.

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The short answer

Wear and tear, mechanical breakdown, and manufacturing defects are excluded from every US auto policy. Engine damage caused by a covered peril (collision, flood, fire, vandalism, theft) IS covered. Consider Mechanical Breakdown Insurance (MBI) or an extended service contract for wear-based failures.

Frequently asked

What about damage from bad fuel or oil?: Contamination and improper maintenance are excluded. A product liability claim against the fuel supplier may apply.

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Stop guessing. Check your actual policy.

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