Will full coverage car insurance cover neglect from an auto repair shop?

  • by Carolyn Lee
  • Oct 04,2017
  • 13 answers

I was on my way to the beach about two weeks ago(Sunday). On my way to the beach my car overheated. I pulled over to discover antifreeze leaking all over the street from my car and my engine steaming. The next business day(Monday) I had it towed to a repair shop. The repair shop told me that the overheating came from a crack in the coolant outlet block and that the radiator fan assembly was not operating. They told me that it would cost $503.38 to do the repairs. On Friday I picked my car up and paid the $503.38. While at the repair shop, I asked to see the old radiator fan assembly and the container that holds the coolant. They told me that they threw out the container but they showed me the old radiator fan. When I drove my car it felt strange but I figured it was just because I hadn t drove it all week. The distance from the repair shop to my home is as about 1 mile- 3 minutes. I didn t drive my car that whole entire weekend. I drove it Monday afternoon. I noticed my thermostat slowly but surely rising to hot so I pulled over in the next safe spot. Upon pulling over, my engine started steaming and my thermostat was completely on H(hot). I got out the car and there it was again, coolant all over the ground. I called a tow truck and got it towed back to the same repair shop. The next day(Tuesday/Yesterday) the repair shop called me and told me that I would need a new engine. They told me that the engine overheated the first time when I was going to the beach.


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Insurance Answers (13)

car253 last week

Good case for small claims court. Most like the repair shop is not going to give you their insurance information. You will probly have to sue in small claims court to get that information. You might want to post your state for more help. And, post your question under the legal category.

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marshhawk last week

You would have to file a claim in tort( small claims ) court against the auto repair shop.
Car insurance is for when you are driving the covered vehicle on the road .
The only thing your car insurance might cover is the towing.

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H. Marie last week

you will be hard pressed to prove the shop was neglectful, when you took it in first they tried what they perceived to be the problem, they at that point had no way of knowing if the engine was ruined or not, only when they fixed it and the same happened again would they know they were fixing an unfixable situation
if you have them put in another engine, they should apply your first payment on the first job toward this
and no, the insurance not going to cover this

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lucy last week

Before you allow the shop to proceed, I suggest you find out (1st) how much this will cost. Back in the 1990’s, if I remember I had a 1986 that was 10 years old that shook violently while driving, I could actually see the dash board shaking. Anyway was told by a mechanic needed a new engine also, and I “think” the cost was about $3,000, but the mechanic was able to find a (used) engine for $1,000 instead. But he told me that this used engine may not last long, and could end buying another used one later. So, had it installed and traded it in for another (new) car, which they only gave me $1,000 for my trade in, so in effect was even.
It appears that you may have recently just bought this car, since in a prior question talked about saving up for a car 4 months ago, and at age 19, also guessing this is a older car that you bought.
My suggestion is to re-post your question under (cars/repairs/maintenance) for advice. You will need to add the make/model/year and the mileage. There are a lot of good mechanics out there that could tell you if you can get a used vs a new engine, the “estimated” cost, plus if you should have done or not.
If this is a much older car, then the engine may end up costing more than what you bought the car for, and depending on the mileage, maybe not worth it, and may be a good idea to sell the vehicle for parts to a salvage yard instead and find another car.
Last, and no insurance will not cover since this is maintenance.
Good luck

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mbrcatz last week

No. It does not "warranty" the work of an auto shop.

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Dan B last week

Full coverage insurance does not cover maintenance and repairs not caused by collisions. You might have a civil suit against the mechanic or repair shop. THEIR insurance might cover the damage. If not, the shop itself pays for the repairs IF you win your case.

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shainock last week

in a word, no

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Marie K last week

the car overheated and cracked the BLOCK, part of the engine that means you need a full new engine, you can TRY to sue the repair folks, but I would be very surprised if your insurance would cover a business negligence, if there was a business negligence

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Eva last week

Car insurance does not cover mechanical breakdowns. If you have a warranty on the car you may have coverage.

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g last week

Automotive insurance coverage has absolutely nothing to do with maintenance and repair. There is not an automotive insurance coverage policy on the planet that will cover mechanical failure or break-down.
You can certainly go after the automotive center management if you wish. But your insurance provider cannot and will not be involved in any way, shape or form.

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G last week

What color is the car?

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Casey Y last week

That's not neglect on their part. You brought them a problem and they fixed it. They cannot know what is going to happen down the road (pun intended).
Your insurance will not cover a maintenance issue...period.

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Erik last week

Insurance won't do anything. Your best bet is to try and get your money back, or have them apply it to the repairs you need, if you decide to do that. They will say no, and you would have to take them to small claims court. Your chances of winning would be pretty slight, however.

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