Blown Engine covered by Insurance???

GR8WHTZ · 02-10-2005, 02:13 PM

So I saw a reference in another thread about someone knowing somebody who got a new engine through their comprehensive insurance. Any truth to this? Heck, even with a $500 deductable it would be a steal!

Dave

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Zack · 02-10-2005, 02:15 PM

i dont see that happening unless it was damaged in an accident

shouldaboughtthez · 02-10-2005, 02:18 PM

I had a friend tell me that he blew up his LS1 and his insurance was going to replace it. Then he told me that he had the shop put in an LS6 instead. But they couldn't figure out why it wasn't running right. He said the finally had to do a tune on the computer.

I told him, I believe it and I also own ocean front property in AZ.

indieaz · 02-10-2005, 02:19 PM

If your vehicle was stolen and found with a blown engine that is possible or if it were damaged in an accident. But if you are drivingdown the road and your engine just blows that ain't happening.

GR8WHTZ · 02-10-2005, 02:19 PM

Me neither, and even then, they would total the car long before they'd buy a new engine... BUT has anyone REALLY pulled this off?

Dave

WTF · 02-10-2005, 02:23 PM

I have!!! I Hydro-locked my original L98, broke a piston the whole nine yards. Since the engine had over 100,000 miles they only gave 1/2 the cost to replace/rebuild it and after the deductable I only ended up getting about $1,200.

-Marc-

Edit: I posted about it but this was around 3 years ago so I don't think the thread is still out there

Threxx · 02-10-2005, 02:27 PM

Depends on the company but most will give you the full dollar amount for the motor due to water splashing up there and hydrolocking it while driving (as long as you don't have a CAI or something that could have helped the situation), or if you were in an accident. Wires crossing and catching fire and such would also generally be covered under warranty.

But any motor dead simply from general wear and tear or abuse is never going to be covered AFAIK.

kick Z tail out · 02-10-2005, 02:29 PM

Keep dreaming.

steves97z28 · 02-10-2005, 02:32 PM

my aunt drove her 97 grand am through a huge puddle and blew the motor/tanny. the insurance company was gonna replace it but it was to much and they totaled the car

Ken S · 02-10-2005, 02:37 PM

If you have FULL coverage, but never told the insurance company the mods, than MAYBE you can get the engine repaired to "stock levels".

If you have FULL coverage, and you have told your insurance company about the mods, and you both agreed on price and pay the extra premiums accordingly for the extra "value" of the mods, then I don't see why they shouldn't cover it.. although exactly what you get back in $$ may be a question..

WTF · 02-10-2005, 02:41 PM

Quote:

Originally Posted by kick Z tail out

Keep dreaming.

Why do you say that

WTF · 02-10-2005, 03:54 PM

I'm telling you I've gone through this! It IS possible to get money for a blown engine depending on the circumstances

WTF · 02-10-2005, 04:17 PM

Quote:

Originally Posted by robvas

Yea, like if you hit a brick and it tears your oil pan off... and your engine goes kaput...they'll fix it. But if you blow your transmission doing a burnout, you're not going to get covered.

That's why I said

Quote:

depending on the circumstances