Engine not right

Emilee

Today I was driving down the road I hit something on the road not sure what...i heard a pop and a hiss a short time later. Which I pulled over... I didn’t stop at the time now my engine is not the same... will insurance cover repair?? Fully comprehensive
2007 well maintained

Alanstrainor

No insurance will not cover maintenance. What car is it? Year, manufacturer, model and engine? What exactly is wrong, what symptoms does it have?

Emilee

Alanstrainor wrote: »

No insurance will not cover maintenance. What car is it? Year, manufacturer, model and engine? What exactly is wrong, what symptoms does it have?

Ford Fusion 1.4 2007
I was driving on the road I hit something on the road and there was a loud bang/0pop?? Not sure. Car is smoking the engine isn’t right since hitting something on the road

Emilee

Alanstrainor wrote: »

No insurance will not cover maintenance. What car is it? Year, manufacturer, model and engine? What exactly is wrong, what symptoms does it have?

My car was driving fine until I hit whatever it was in the toad.

zilog_jones

Emilee wrote: »

Car is smoking the engine isn’t right since hitting something on the road

Is it smoke or steam? What exactly "isn't right"? Unfortunately I don't think anyone here can help you with such a vague description. Take it to a mechanic.

Cee-Jay-Cee

Emilee wrote: »

Ford Fusion 1.4 2007
I was driving on the road I hit something on the road and there was a loud bang/0pop?? Not sure. Car is smoking the engine isn’t right since hitting something on the road

You’d consider claiming on your insurance on a car worth less than €1000??? Regardless of what the damage is it’s be cheaper in the long run just to buy another car.

Emilee

zilog_jones wrote: »

Is it smoke or steam? What exactly "isn't right"? Unfortunately I don't think anyone here can help you with such a vague description. Take it to a mechanic.

It’s a combination of steam and smoke the car has water and oil, the water tank there’s lots of pressure in the water tank which wasn’t an issue before.when the car is idle and revved water pours from the water tank

Truckermal

The bang was your engine sh1tting itself not hitting something.

greasepalm

Sounds like headgasket but would ask if temp gauge was in the red,fords are also known for stuck stats and engine can over heat.

Emilee

Truckermal wrote: »

The bang was your engine sh1tting itself not hitting something.[/quote

It definitely hit something on the road, hopefully the engine isn’t F**ked! It’s like I rolled over something, something hit the underneath of the car

Emilee

greasepalm wrote: »

Sounds like headgasket but would ask if temp gauge was in the red,fords are also known for stuck stats and engine can over heat.

No normal temperature gauge was 60! I did have issues in the past where the water tank cracked, which was replaced. I also just had the car serviced and new nct.

greasepalm

When you took the bottle cap off tank was engine hot or cold,when hot you dont remove it or will overflow.Maybe you did run over something,have you checked all fluids,coolant in bottle,oil in engine with dipstick,brake fluid in reservoir,power steering fluid in case of ruptured pipe and funny steering and noise.

Emilee

greasepalm wrote: »

When you took the bottle cap off tank was engine hot or cold,when hot you dont remove it or will overflow.Maybe you did run over something,have you checked all fluids,coolant in bottle,oil in engine with dipstick,brake fluid in reservoir,power steering fluid in case of ruptured pipe and funny steering and noise.

It was cold, engine running and revved a few times

greasepalm

Ok if cold and blowing water out of bottle sounds like headgasket failure.If gone when starting in the morning it could run on 3 cylinders until water is out of combustion chamber then may run on 4 cylinders.Sounds like tow truck to garage but could be very expensive repair.

Emilee

greasepalm wrote: »

Ok if cold and blowing water out of bottle sounds like headgasket failure.If gone when starting in the morning it could run on 3 cylinders until water is out of combustion chamber then may run on 4 cylinders.Sounds like tow truck to garage but could be very expensive repair.

Thank you it’s at the garage now, garage of the insurance company choice. I’ve been told there is damage to the underneath but to what extent I do not know.

colm_mcm

Be careful you don’t run up a big bill at the garage.

greasepalm

Dont give them the ok until figures and damages have been talked about,even photos up here might be of help?

Emilee

greasepalm wrote: »

Dont give them the ok until figures and damages have been talked about,even photos up here might be of help?

Yes I’ve told them to call with regular updates and charges! Thank you.
Hopefully it’s salvageable I love that car!

colm_mcm

You need to drive other cars

Emilee

colm_mcm wrote: »

You need to drive other cars

Haha id fancy a VW Passet 09 + if you’re buying 😂😂😂

zilog_jones

Emilee wrote: »

No normal temperature gauge was 60!

60 degrees is too cold, not a normal operating temperature at all...

Emilee

zilog_jones wrote: »

60 degrees is too cold, not normal a normal operating temperature at all...

It was half way on the gauge like the middle mark. I thought it is normal it’s never givin any issues before today

punisher5112

When you hit the object is it not quite possible you burst the sump and the car was losing oil....

Did you check?

If you continued to drive then you quite possibly destroyed it.


Plenty of nicer motors out there unless it's a cheap fix...

Isambard

You're insurance premium will be taking a big hit! If I read it right, your Company is dealing with a claim.

punisher5112

Isambard wrote: »

You're insurance premium will be taking a big hit! If I read it right, your Company is dealing with a claim.

I would guess they used breakdown cover as they won't be getting anything else off insurance....

This in itself shouldn't affect premium.

But I think the op originally thought they could claim or if they do then it will end up costing them.

If it's in a main dealer then they are going to be absolutely shafted..

Emilee

punisher5112 wrote: »

When you hit the object is it not quite possible you burst the sump and the car was losing oil....

Did you check?

If you continued to drive then you quite possibly destroyed it.




Plenty of nicer motors out there unless it's a cheap fix...

Not quite sure but I drove the car 3km to the garage it was then towed to my mechanic, before he could look at it the insurance company took over.

Driving it was stupid I know.... call it a malteser moment!!

Emilee

Isambard wrote: »

You're insurance premium will be taking a big hit! If I read it right, your Company is dealing with a claim.

Yes correct insurance company, I paid for the recovery truck to my mechanic. As i hit something the insurance company said it’s a claim!

Emilee

punisher5112 wrote: »

I would guess they used breakdown cover as they won't be getting anything else off insurance....

This in itself shouldn't affect premium.

But I think the op originally thought they could claim or if they do then it will end up costing them.



If it's in a main dealer then they are going to be absolutely shafted..

I paid recovery myself! I’m not sure what’s going on now!
Insurance company said it’s a claim.
I’ve 16 years+ claim free driving.
So if it takes a hit I’ll have to live with it I guess.
Life is **** an when you think it can’t get any ****ter it does!

punisher5112

Emilee wrote: »

Yes correct insurance company, I paid for the recovery truck to my mechanic. As i hit something the insurance company said it’s a claim!

Is it worth claiming though..... Your premium will be hit considerable....

Emilee

punisher5112 wrote: »

Is it worth claiming though..... Your premium will be hit considerable....

Honestly I won’t have any other choice.

James Bond Junior

Claiming on a car like yours is pointless. Your no claims bonus will be gone and it will cost multiples of that the car is worth in increased premiums. Fix it out of your own pocket or replace the car, it will be cheaper in the long run. Even replacing the engine if you want to keep the car would be cheaper than claiming and losing your bonus.

punisher5112

Emilee wrote: »

Honestly I won’t have any other choice.

It would be cheaper buying a different car if it's engine is gone....

Look up bangeromics on here.... Pick up a cheap motor and move on..... Obviously if it's crazy fix.

lawred2

Emilee wrote: »

My car was driving fine until I hit whatever it was in the toad.

must have been a big toad

Isambard

punisher5112 wrote: »

It would be cheaper buying a different car if it's engine is gone....

Look up bangeromics on here.... Pick up a cheap motor and move on..... Obviously if it's crazy fix.

Yes I'm with you, a claim will end up costing the OP far more than €1000

Reversal

Wow. How do some people get through life...

Emilee

James Bond Junior wrote: »

Claiming on a car like yours is pointless. Your no claims bonus will be gone and it will cost multiples of that the car is worth in increased premiums. Fix it out of your own pocket or replace the car, it will be cheaper in the long run. Even replacing the engine if you want to keep the car would be cheaper than claiming and losing your bonus. [/quote

I’ve a car sorted I won’t need to claim. Thanks for the help/information

Emilee

Reversal wrote: »

Wow. How do some people get through life...

No one knows how the other half live I guess!!

selectamatic

Have you any family members who are familiar with cars? It really would be of benefit for you to get some advice off them on the matter.

I personally can't make head nor tale what might have happened but I will say the easiest thing for you to do is go and buy another car.

You'd get a nice little 07 or 08 kia rio or Chevrolet lacetti or the likes for less than a grand and itd most likely do the finest. If you drop back to 06 or 05 you'd pick up a corolla or civic for similar money.

Emilee

selectamatic wrote: »

Have you any family members who are familiar with cars? It really would be of benefit for you to get some advice off them on the matter.

I personally can't make head nor tale what might have happened but I will say the easiest thing for you to do is go and buy another car.


You'd get a nice little 07 or 08 kia rio or Chevrolet lacetti or the likes for less than a grand and itd most likely do the finest. If you drop back to 06 or 05 you'd pick up a corolla or civic for similar money.

I’ve no family to ask, all good I picked up a 06 vw Jetta today 750€, nct 07/20 tax till 08/20 not bad at all. Happy days!

You did the right thing - It was time to say goodbye to your old car. Glad you got it all sorted.

Emilee

samih wrote: »

You did the right thing - It was time to say goodbye to your old car. Glad you got it all sorted.

Thank you 😊 I’m glad too insurance rang today with good news. In the result of a claim going forward.... I don’t know the damage as yet.... my no claims bonus is protected which is good! Paying that little extra helps

Spook_ie

Emilee wrote: »

Thank you 😊 I’m glad too insurance rang today with good news. In the result of a claim going forward.... I don’t know the damage as yet.... my no claims bonus is protected which is good! Paying that little extra helps

The no claims bonus might be protected but it doesn't prevent the insurers loading the actual premium by a few hundred euros.

Emilee

Spook_ie wrote: »

The no claims bonus might be protected but it doesn't prevent the insurers loading the actual premium by a few hundred euros.

Awh I understand that, As I’ve another car I don’t think they’ll be a need to make a claim just sell what’s left for scrap!

greasepalm

Did they say what the problems were.

Emilee

greasepalm wrote: »

Did they say what the problems were.

No I’ve not heard anything on the issues as yet, I’ll post here when I find out! Phone call today she said accessors usually take 24/48 hours to do a report!

Isambard

I wouldn't claim on my own insurance, but if you can identify who was responsible for the damage to your car, you could claim directly from them

pippip

What did you do with the old car,? You'd probably get 70-80euro for scrappage.

Emilee

pippip wrote: »

What did you do with the old car,? You'd probably get 70-80euro for scrappage.

Nothing yet, I’ve been offered 350€ already

colm_mcm

Emilee wrote: »

Nothing yet, I’ve been offered 350€ already

Mustn’t have needed much fixing. Take their arm off.