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Old 01-19-2011, 01:04 AM   #1
turtlezx
 
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??? for an insurance agent
If you have full coverage on your car and this happens.
the engine locks up you lose control and have a accident with a tree.Say $2000 in body damage .Would the repair of the engine be covered by insurance as well as the body damage ?
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Old 01-19-2011, 06:46 AM   #2
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Old 01-19-2011, 08:18 AM   #3
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what if you lost control and hit a tree and that caused the engine to lock up?
would insurance be liable to replace a motor?
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Old 01-19-2011, 08:31 AM   #4
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Quote:
Originally Posted by Ironheadspearo View Post
what if you lost control and hit a tree and that caused the engine to lock up?
would insurance be liable to replace a motor?
Better than 50% chance...

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Old 01-19-2011, 09:16 AM   #5
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Quote:
Originally Posted by Ironheadspearo View Post
what if you lost control and hit a tree and that caused the engine to lock up?
would insurance be liable to replace a motor?
i would say yes


disclaimer - i am far from an insurance agent
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Old 01-19-2011, 10:03 AM   #6
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in order to hurt the motor it would mostlikely be a total loss anyway.

I am NOT an agent either....just my 2 cents....
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Old 01-19-2011, 11:56 AM   #7
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Question
And we're asking this Hypothetical question because???
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Old 01-19-2011, 12:23 PM   #8
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Old 01-19-2011, 01:30 PM   #9
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Quote:
Originally Posted by turtlezx View Post
If you have full coverage on your car and this happens.
the engine locks up you lose control and have a accident with a tree.Say $2000 in body damage .Would the repair of the engine be covered by insurance as well as the body damage ?
I am a former insurance man. If your engine breaks causing an accident the accident damage will be paid for, but the engine will not be. Its considered a mechanical issue. I've never heard of an engine "locking up" and causing an accident. Engines blow, but they still spin they never just "lock".

Now if you had an accident that damaged the engine, then its covered, although honestly if it was that bad it would likely total the car.
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Old 01-19-2011, 01:33 PM   #10
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I am a former insurance man. If your engine breaks causing an accident the accident damage will be paid for, but the engine will not be. Its considered a mechanical issue. I've never heard of an engine "locking up" and causing an accident. Engines blow, but they still spin they never just "lock".

Now if you had an accident that damaged the engine, then its covered, although honestly if it was that bad it would likely total the car.
Correct answer.

Disclaimer: I AM an insurance agent.
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Old 01-19-2011, 01:37 PM   #11
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Quote:
Originally Posted by Rogue Leader View Post
I am a former insurance man. If your engine breaks causing an accident the accident damage will be paid for, but the engine will not be. Its considered a mechanical issue. I've never heard of an engine "locking up" and causing an accident. Engines blow, but they still spin they never just "lock".

Now if you had an accident that damaged the engine, then its covered, although honestly if it was that bad it would likely total the car.
What he said.

Disclaimer: I'm NOT an insurance agent, but I DID stay at a Holiday Inn Express last night.
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Old 01-19-2011, 03:36 PM   #12
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Originally Posted by the Kolektor View Post
What he said.

Disclaimer: I'm NOT an insurance agent, but I DID stay at a Holiday Inn Express last night.
ROFL

Ziiing!!
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Old 01-19-2011, 04:05 PM   #13
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I'm an agent (thus the name)

Damage in accident - yes.
Engine - no.

Imagen the engine locked up and didnt cause an accident - would your engine be covered then? Nope, and not in this case either.

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Old 01-19-2011, 04:15 PM   #14
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"Honest officer, I was just driving down the road when my engine suddenly seized. That made me lose control and hit the tree"
More examples here..
http://www.funnyandjokes.com/top-10-...t-excuses.html
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