The Risks of Not Changing Your Car’s Oil

Changing your car’s oil might seem like a minor task, but forgetting to do it can lead to major problems. Oil acts as the lifeblood of your vehicle’s engine. It lubricates moving parts, reduces heat, and removes dirt and debris. When you skip or delay oil changes, the consequences can be costly and dangerous.

1. Engine Wear and Tear

Old oil thickens and loses its ability to protect your engine. Without proper lubrication, friction increases, leading to premature damage and expensive repairs that may not always be covered by your car insurance policy.

2. Overheating Issues

Oil helps regulate temperature by reducing heat from friction. Degraded oil can cause your engine to overheat, leading to performance issues or breakdowns, potentially putting your auto insurance coverage at risk if it results in a claim.

3. Reduced Fuel Efficiency

Dirty oil increases engine resistance, which makes your vehicle work harder and consume more fuel. Regular maintenance helps improve fuel economy and supports a well-performing vehicle—something your car insurance provider may reward with better rates.

4. Void Warranty or Higher Repair Costs

Skipping oil changes may void your car warranty. Many Philippine car insurance companies also consider maintenance records when processing claims, so staying updated on services is financially wise.

 Source: Freepik

5. Complete Engine Failure

Left unchecked, missed oil changes can destroy the engine completely. That means major repairs or even buying a new vehicle—costs that are far more painful than regular maintenance and might exceed your car insurance coverage limit.

Final Thoughts

Taking care of your vehicle means staying proactive, and something as simple as changing your oil can protect you from bigger problems. At Vigattin Insurance, we believe in complete protection—through both maintenance awareness and trusted comprehensive car insurance