Does Insurance Cover Mechanical Damage. However all the damage that failed driveshaft causes is covered. Whether or not a car insurance policy will cover the cost of a replacement engine or to repair the existing one depends very much on the cause of the engine failure.
The driveshaft breakage is a routine mechanical failure which is not covered. Many of the major insurance companies now offer mechanical breakdown insurance as a policy add-on and purchasing. Engine failure might be covered by insurance if the damage resulted from a collision or comprehensive loss.
Basic vehicular maintenance is the responsibility of every car owner and not the insurance company.
Car insurance does not typically cover engine failure. Auto insurance typically does not cover mechanical problems unless they were the result of a covered event. Mechanical Breakdown Insurance coverage is in excess of coverage provided by your manufacturers warranty. Comprehensive coverage covers damage to your vehicle caused by weather theft animals vandalism or other non-collision events.
