Automobile engine damage can be a result of sludge formation inthe engine oil. When engine damage is claimed, the analyst ischarged with determining the reason for the sludge formation sincethis affects coverage. For instance, engine damage from sludgeformation as a result of vandalism (contaminants inserted in theengine) may be covered, while sludge formation-related damage dueto poor maintenance may not.
The cause of sludge formation that damaged an automotive enginedetermines whether coverage is extended or denied. This case studyillustrates one cause of sludge formation that damaged anautomotive engine.
Sludge formation, a form of engine oil deterioration, occursfrom a variety of causes such as poor maintenance, vandalism orexcessive heating. The insured owner of a pickup truck claimed thatvandalism was the cause of excessive sludge formation that damagedthe engine.
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