As diesel engines continue to be a popular choice for transportation, it is important to understand the use of diesel exhaust fluid or DEF. DEF is a solution that is added to the exhaust system of diesel engines to reduce harmful emissions. However, DEF tank contamination can occur, leading to expensive repairs. This leads to the question, will insurance cover DEF in diesel tank? Let's dive into the details.
What is DEF and How Does it Work?
DEF, also known as AdBlue, is a solution of 32.5% urea and 67.5% deionized water. It is injected into the exhaust system of diesel engines and reacts with the harmful nitrogen oxide (NOx) emissions to convert them into harmless nitrogen and water vapor. This process is known as selective catalytic reduction (SCR) and is a requirement for diesel engines to meet emissions standards set by the Environmental Protection Agency (EPA).
DEF is stored in a separate tank from the diesel fuel and is injected into the exhaust system when needed. The consumption rate is typically 2-3% of diesel fuel usage, meaning a truck that gets 7 miles per gallon will use approximately one gallon of DEF every 200-300 miles.
What Causes DEF Tank Contamination?
While DEF is a crucial component in reducing diesel emissions, it can also lead to contamination in the DEF tank. Contamination can occur when foreign substances such as dirt, water, or other chemicals enter the tank. This can cause damage to the SCR system and lead to expensive repairs.
One common cause of DEF tank contamination is the use of improper storage containers. DEF must be stored in a sealed container made of materials that are compatible with it, such as high-density polyethylene (HDPE) or stainless steel. Using containers that are not compatible with DEF can cause the solution to become contaminated and lead to costly repairs.
Does Insurance Cover DEF Tank Contamination?
Whether or not insurance will cover DEF tank contamination depends on the individual policy. Most commercial auto insurance policies will cover damage to the vehicle caused by an accident, theft, or vandalism. However, coverage for DEF tank contamination may require additional endorsements or a separate policy.
It is important to review your insurance policy and speak with your agent to determine if you have coverage for DEF tank contamination. If you do not have coverage, it may be worth considering adding it to your policy to protect against expensive repairs in the event of contamination.
Conclusion
DEF is a critical component in reducing harmful emissions from diesel engines, but it can also lead to expensive repairs if contamination occurs. Understanding the causes of DEF tank contamination and reviewing your insurance policy for coverage can help protect against these costs. Speak with your insurance agent to determine if you have coverage for DEF tank contamination and consider adding it to your policy if necessary.
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