Obviously I know you can’t see my insurance policy, but I want to have some idea of
My chances before I call on Friday.
I have comprehensive insurance, plus loan/lease payoff.
I purchased this car 3 months ago, (used 100k miles) driving home last night the turbo failed, sucked up oil through the air intakes, and the engine ceased up within a matter of seconds.
Basically the car is totaled, will my insurance cover a massive mechanical failure like this?
Almost certainly not.
Mechanical failures are not a covered risk.
YMMV. I am not your insurance agent or adjuster. Blah. Blah Blah.
Nope. You under any kind of warranty? By mileage? Leases sometimes have good warranties.
This is State Farm’s definition of Comprehensive coverage. (By the way, I do not have State Farm, but it came up first when I googled.)
Comprehensive coverage pays to repair or replace a covered vehicle that’s stolen or damaged by something other than collision or rolling over. For example, damage caused by fire, wind, hail, flood, theft, vandalism and hitting an animal is covered.
I have never thought that it covered mechanical damage or failure other than by the above. I doubt you are covered for your engine failure.
The terms of the loan/lease payoff rider *might *be different and more favorable. But that’s a long shot.
Nope. That must have been one heck of an oil leak to hydro-lock an engine.