Automobile engine damage can be a result of sludge formation in the engine oil. When engine damage is claimed, the analyst is charged with determining the reason for the sludge formation since this affects coverage. For instance, engine damage from sludge formation as a result of vandalism (contaminants inserted in the engine) may be covered, while sludge formation-related damage due to poor maintenance may not.

The cause of sludge formation that damaged an automotive engine determines whether coverage is extended or denied. This case study illustrates one cause of sludge formation that damaged an automotive engine.

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