Ok without a copy of your policy to read I can not tell if you are covered or not. IF you are still making payments then odds are good you are covered.
However as others have suggested if not outright stated. Get an Estimate on repairs.. You may be below the deductible in which case NOT filing is your best course of action.. Then ask your agent if it's covered or not. If it's below your deductible. Pay the man and get it fixed. IF it's like my engine (about 7 Grand OVER the deductible) Well that's why I have insurance.