<prompt> Human: I have Travelers Insurance. The only reason I have them is because they offered a deal to TDECU customers. I have full coverage. I was driving, heard a noise, and when I pulled over and opened the hood I saw fire. The fire department came out. I have a 2009 Mazdaspeed 3 and had bottomed out twice on the citys horrible potholes. Insurance appraiser came out and said it looked like mechanical failure and that they wouldnt cover. Dropped this line on me. If Travelers paid for things like these, wed be broke. He did not specify as to what specifically broke. They took an oil sample which should be fine because I had a shop change the oil 2 week prior Royal Purple, the best oil IMO and 11 a quart.I had a rental for the weekend, but as soon as the appraiser said they werent covering, the insurance office called and I had to turn in my rental. It has now been 2 weeks since they took the oil sample and they havent given me any results. I called TDECU and they refuse to help even though Ive threatened to forfeit the car. Through me thinking I was invincible and then getting diagnosed with Ulcerative Colitis, I now have about 30,000 of debt outside of the car. My number one goal is to pay this off as quickly as possible. I recently started working at Ford and they worked with me to get numbers crunched. 1,000 trade value for my totaled Mazdaspeed 3 with 100k miles.1.9 financing500 car payment because of the upside down amount.What would yall do? edit: Should I not pay the car and surrender it? In essence use that remaining balance to pay off other stuff?UPDATE: My credit union finally started helping. They have started calling Travelers and asking they answer specific questions. I hope to get them to:1. Foot the mechanics bill to diagnose what happened. 2. Reimburse me for cutting my rental off after 3 days even though the case is still open and they are still working to decide whether or not they will cover the repairs. If they accept that I should have had a rental like the insurance agency I bought the policy through says I should, then I am going to also ask for the four Sundays lost wages I couldnt get because I had no ride for the 30 mile commute. 3. I filed the complaint for lack of updates and communication. I only know what I know because I call them. Id like to thank for everyone their advice and help. I have clicked on every link and filled out the forms people recommended. I will let all of you know what comes of it. Assistant: Regardless of if you had comprehensive or not, car insurance will not pay for a mechanical failure. It would only pay if someone physically arsoned your car or it went down in a house fire.Did you get a quote on a repair? What actually failed? Id figure that out before calling it quits.Do you have any savings? Buy a beater car to get you around and start scraping up whatever income you can to pay your debts. Its an unfortunate hazard of owning a car, but you need to be prepared if it is over 100k miles.Human: The car got serviced two weeks before this happened. There were no leaks. Oil change got done. Nashville has shitty roads and I have a low car. The only thing that were abnormal that I can remember was having bottomed out on the freeway when I hit a pothole.  <response>: Getting the car serviced two weeks prior doesnt mean much. Oil change rules out no spontaneous failures except an engine seize, which didnt happen based on your anecdote. Determine the cause and quote a repair before searching for recourse. 