Hello. On my drive back from Reno NV my timing belt snapped hit a piston an bent the head. I called our insurance to verify coverage. On their website comprehensive covers vandalism to hitting a deer. But when we called the rep stated comprehensive is only when you hit another vehicle. How can I get something in writing that actually states what our insurance covers? It was like pulling teeth with the rep.
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Automobile insurance normally does not cover mechanical issues. Good luck.
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You should have a copy of your actual policy. That policy would include definitions including the definition of comprehensive coverage. If you don't have a copy, request one from your agent.
BARRY BESSER
www.besserlaw.com
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Read your policy, it is excruciatingly detailed. Accident / comprehensive insurance has nothing to do with mechanical breakdown, obviously. If you have manufacturers warranty or similar mechanical warranty insurance, read that policy to determine what is covered.
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The legal answers you have received are correct. You need to read your policy. They will give you a copy if you don't have one. Every insurance policy in the state, however, excludes mechanical failure of the car itself from coverage. I would also add, however, that your timing belt cannot hit a piston head unless it smashed through the engine block. I also cannot imagine how a piston head could be "bent" since they are designed to take the force of a gasoline explosion thousands of times a minute for ten years or more. So perhaps that has something to do with you not being taken seriously by your insurance rep.
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