Your policy probably includes an exclusion for "expected or intended injury or damage". I doubt if the insurer will want to pay for something caused during routine maintenance. Similarly, if you twisted off a bolt head while changing the oil, would you expect insurance to pay for it?

The situation stated earlier where the person was paid for damage to a car after driving through water is different. It can be argued that there is no way to avoid driving through water, depending on the situation.

In one instance, however, I was aware of a claim wherein a guy was hauling diesel fuel in an approved container in the trunk of the car, and the container leaked fuel into the trunk and back seat. The insurance company eventually bought him another car because they couldn't get the smell out no matter what they did. It was a comprehensive coverage claim.

It all depends on the insuring company and the policy language.

DS
87 300D
Northern Iowa