Will Insurance Cover DEF in Diesel Tank?

As diesel vehicle owners become increasingly concerned about reducing emissions and complying with environmental regulations, Diesel Exhaust Fluid (DEF) has become more common. Accidents can happen, and one common concern among diesel vehicle owners is whether insurance will cover any damages or expenses related to DEF in their diesel tank. This article will explore the question: Will Insurance Cover DEF in Diesel Tank?

We will delve into the various factors that insurers consider when assessing coverage for DEF-related incidents and provide insights into possible outcomes for policyholders facing such issues.

What Is DEF?

DEF, or Diesel Exhaust Fluid, is crucial in reducing harmful emissions from diesel engines. It is an aqueous solution comprising 32.5% pure urea and 67.5% deionized water. DEF plays a vital role in the Selective Catalytic Reduction (SCR) system, which modern diesel vehicles use to meet strict emission standards.

In 2010, the agency made Diesel Exhaust Fluid (DEF) compulsory for all diesel trucks; the purpose of DEF is to convert harmful nitrogen oxides (NOx) into harmless nitrogen gas and water vapour through a chemical reaction within the SCR system. DEF is injected into the hot exhaust stream when the exhaust gases pass through the SCR catalyst. The heat causes DEF to decompose into ammonia (NH3), which then reacts with NOx to form nitrogen gas and water vapour.

Note: When the vehicle shows DEF message on the screen, it’s important to clear this message. But How this message is cleared? To get more information read this article. Clear Service DEF System Message

Will Insurance Cover DEF in Diesel Tank?

Regarding insurance coverage for diesel exhaust fluid (DEF) damage to a diesel tank, it is clear that most insurance policies do not provide compensation. While insurance policies generally cover unexpected damage to vehicles, such as accidents or collisions, they typically exclude coverage for DEF-related issues. This can be frustrating for vehicle owners who may have incurred significant expenses due to DEF contamination or other related problems.

Most insurers consider DEF damage as a maintenance issue rather than an unforeseen incident. As a result, they categorize repairs and replacements of damaged diesel tanks as routine maintenance costs that should be covered directly by the vehicle owner.

There are around 06 types of coverage provided by insurance companies:

  • Liability coverage
  • Personal injury protection coverage
  • Collision coverage
  • Uninsured motorist protection
  • Medical payment, and
  • Comprehensive coverage

DEF in Fuel Tank Insurance Claim:

Most insurance companies do not cover engine damage caused by DEF (diesel exhaust fluid) in the fuel tank. This is an important factor to consider as it can have significant financial implications for vehicle owners. If DEF causes damage to your fuel tank, you may be unable to claim insurance for the repairs or replacement directly. Reviewing your insurance policy carefully and understanding its limitations before assuming that such damages are covered is essential.

There might still be a possibility of compensation if your vehicle damage falls within the insurance-paying range, typically around $3000. In such cases, if the cost of repairing or replacing the damaged fuel tank exceeds this threshold, you may be eligible for reimbursement through your insurance provider.

What Happens if I Accidentally Put DEF in Diesel Tank?

Will Insurance Cover DEF in Diesel Tank?

New diesel trucks are equipped with Selective Catalytic Reduction (SCR) systems, which use Diesel Exhaust Fluid (DEF) to comply with strict EPA emissions requirements. This innovative technology helps break down harmful nitrogen oxides (NOx) emissions into harmless nitrogen and water.

It is important to note that DEF fluids can only be used in vehicles with SCR systems and should always be correctly placed in earlier vehicles or those without the necessary equipment. Placing DEF in a diesel tank, or vice versa, can result in significant damage and costly repairs. You cannot drive your vehicle when DEF lights on your dashboard. If you try to drive, it’s most dangerous for the driver and vehicle.

The consequences of accidentally filling a diesel tank with DEF are dire. Once introduced into the engine compartment, DEF will cause major damage that could render your vehicle useless. This is because DEF is composed of urea and water, which have corrosive properties that can wreak havoc on certain metals like brass, aluminium, and carbon steel found within the engine system.

How Do You Remove DEF From a Diesel Tank?

How Do You Remove DEF From a Diesel Tank?

To remove DEF from a diesel tank, follow these 06 steps.

The steps are:

  • The diesel tank should be drained of DEF, either by yourself or a mechanic
  • Add diesel and fuel tank cleaner to the tank
  • Drain the cleaner and diesel from the tank
  • Refill the diesel tank and run the vehicle for a few minutes
  • Replace the fuel filter to avoid future issues.

How Much Does it Cost to Flush Diesel Out of Car?

The cost of flushing out a diesel engine can range from $300 to $500, depending on the severity of the contamination. It is crucial to exercise caution when refilling your diesel tank to avoid the expense and inconvenience associated with this mistake.

When diesel fuel finds its way into an engine or fuel line designed for gasoline, it can cause significant damage due to different combustion properties. This misfueling issue is more common than one might think and can result from distractions at the pump or simply forgetting which type of fuel your vehicle requires. Unfortunately, fixing this mistake comes at a steep price – ranging from $1800 to $2000 if diesel contaminates the engine or fuel line.

Final Thoughts:

After deeply discussing Will Insurance Cover DEF in Diesel Tank, we conclude that insurance will cover DEF in a diesel tank depending on factors such as the specific insurance policy, the cause of the contamination, and the extent of damages. While some insurance policies may explicitly exclude coverage for DEF-related incidents, others may provide coverage under certain circumstances. It is crucial for vehicle owners to carefully review their insurance policies and consult with their insurance providers to understand the extent of coverage for DEF contamination.

Taking preventive measures such as properly storing and handling DEF can help minimize the risk of contamination and potential expenses. Ultimately, being proactive in understanding one’s insurance coverage and taking necessary precautions can help mitigate any potential financial burdens associated with DEF-related issues.


Will insurance cover someone putting sugar in your gas tank?

The coverage for putting sugar in your gas tank varies based on the insurance company’s policy. Some insurance companies may offer comprehensive coverage for such incidents, while others may not include it in their coverage options. You should contact your insurance provider directly to determine whether this particular incident is covered under your insurance policy.

Does insurance cover fuel contamination?

If you have comprehensive coverage, your insurance provider may cover the costs of damage caused by fuel contamination. If your vehicle experiences any problems or complications due to contaminated fuel, such as engine damage or fuel system issues, your insurance company could pay for the necessary repairs or replacements.

Does DEF fluid ruin diesel engines?

The damaging effects of DEF fluid on engines cannot be denied, as it is composed of a combination of nitrogen and water. Over time, this mixture has been found to cause corrosion and damage to engines. The corrosive nature of the fluid poses a significant risk to the overall durability and performance of engines, making it essential for users to exercise caution.

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