Claims handlers are often charged with determining if an automotive engine failure is a result of an impact with an object or a result of an internal problem that caused the damage, typically called mechanical failure.
Many policies are written to extend coverage when the vehicle impacts an object causing damage to the engine, while coverage is denied if an internal malfunction causes damage to the engine.
Figure 1 is a view of a penetration in an engine block that was claimed to be caused by an external object striking the engine.
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