Car insurance typically does not cover engine failure unless it is a result of a covered accident or incident. This means that if your engine fails due to mechanical malfunction or wear and tear, your insurance policy will not cover the repairs. However, there are some exceptions to this rule. For example, if you have mechanical breakdown insurance, this type of coverage may provide protection for engine failure.
It's important to note that car insurance policies vary, and some may offer additional coverage options for engine failure or other mechanical issues. Comprehensive and collision coverage may also cover engine failure if the damage is a result of a collision or other covered incident. However, it's important to carefully review your policy to understand what is and is not covered, and to consider purchasing additional coverage if needed. As a car owner, it's also important to regularly maintain your vehicle to prevent engine failure and other mechanical issues.