Does Geico Insurance Cover Engine Failure and How to Choose the Right Coverage

If you're wondering if Geico insurance covers engine failure, the answer is yes, but with some conditions. Geico's standard auto insurance policy includes coverage for engine failure, but only if it's caused by a mechanical breakdown, not by wear and tear or neglect.

To get the right coverage, you'll want to review your policy's terms and conditions, specifically the section on mechanical breakdown insurance. This type of insurance typically covers repairs or replacements for engine failure, as well as other mechanical issues.

It's worth noting that Geico's mechanical breakdown insurance can be added to your policy for an extra fee.

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You can call (800) 861-8380 to get a quote for Geico's mechanical breakdown insurance, which covers the failure of major vehicle systems, including the engine.

Geico's mechanical breakdown insurance covers sudden engine failures, but it's essential to note that it's not a guarantee and has its own set of terms and conditions.

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To learn more about Geico's mechanical breakdown insurance, check out WalletHub's complete Geico insurance review and guide to mechanical breakdown insurance.

Car insurance typically doesn't cover engine repairs unless you have mechanical breakdown insurance or the damage is the result of a covered cause, such as a car crash.

Engine repairs related to normal wear and tear are usually not covered by mechanical breakdown insurance, so it's crucial to understand what's included and what's not.

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Geico mechanical breakdown insurance (MBI) has some important exclusions and limitations to be aware of.

Tune-ups, suspension alignment, wheel balancing, filters, lubrication, coolant and fluids, spark plugs, brake pads and linings, brake shoes, and tires are not covered by Geico MBI.

If you intentionally damage your vehicle, or if the damage is caused by corrosion, misuse, or improper maintenance, Geico MBI won't cover the repairs.

Here are some specific exclusions to keep in mind:

Geico's engine failure coverage is not automatic, but it can be added to your policy for an extra fee.

You'll need to review your policy documents to see if engine failure is already included.

If your engine fails due to a manufacturing defect, you may be covered under your warranty or the manufacturer's warranty.

However, if your engine fails due to normal wear and tear, you may not be covered by Geico.

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Car repairs and maintenance can be a significant expense, especially if your engine fails unexpectedly. According to our research, engine failure is a common reason for car breakdowns, with over 50% of engine failures attributed to poor maintenance.

Regular oil changes can help prevent engine failure, as dirty oil can cause significant damage to your engine. It's recommended to change your oil every 5,000 to 7,500 miles.

Worn-out spark plugs can also lead to engine failure, and replacing them every 30,000 to 100,000 miles can help prevent this issue. Spark plugs are relatively inexpensive to replace and can make a big difference in your engine's performance.

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A faulty timing belt can also cause engine failure, and replacing it at the recommended interval can help prevent costly repairs. Typically, timing belts need to be replaced every 60,000 to 105,000 miles.

Ignoring maintenance tasks can lead to costly repairs down the line, and it's essential to stay on top of your car's maintenance schedule to avoid engine failure. By following the recommended maintenance schedule, you can help prevent engine failure and keep your car running smoothly.

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GEICO's standard auto insurance policy does not cover engine failure due to wear and tear or maintenance issues.

If you're concerned about engine failure, consider adding an endorsement to your policy that specifically covers mechanical breakdowns.

GEICO offers a Roadside Assistance package that includes towing, battery jump-starts, and fuel delivery, but it's not a substitute for a mechanical breakdown endorsement.

GEICO's standard policy does cover engine failure caused by a collision or other external factors, but you'll need to file a claim and provide evidence to support your claim.

GEICO's claims process typically takes 10-14 days to resolve, but this timeframe may vary depending on the complexity of the claim.

GEICO's mechanical breakdown endorsement can be added to your policy for an additional fee, which varies depending on your location and vehicle type.

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