Depending on when your engine becomes Hydrolocked, a lot of damage or a little bit of damage can occur. Depending on the speed that you are travelling and the physical damage, you may even have to replace your entire engine. For this reason, you are likely wondering what it will cost you to get insurance coverage or if you can even get it at all. Fortunately, there are many insurance companies that do cover hydrolocked engines.

What type of insurance covers a hydrolocked engine?

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Unfortunately, your basic insurance package is likely not going to cover a hydrolocked engine. Collision insurance is also not going to cover you if you happen to get a hydrolocked engine. There are very few hydrolocked engines that occur as a result of a collision. Sure, if you get into a collision and get pushed into a lake, you might be eligible for coverage. However, it is unlikely that this is going to happen. Most hydrolocked engines occur because of rain or flooding. It is for this reason, you’re going to need comprehensive insurance coverage. Unfortunately, some insurance companies have different clauses in their comprehensive insurance policy. There are many insurance companies that don’t cover hydrolocked engines at all as it is a very expensive mechanical failure. Always make sure that you look at the details before you purchase.

How do I make sure I am covered?

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One of the best ways to make sure that you are covered is to talk to your insurance provider directly. However, if you have other questions at the same time, you might want to talk to a lawyer. A lawyer can go through documents with you in order to make sure that you have the coverage that you need. It is not easy to read through the difficult terms located in an insurance company’s fine print. A lawyer is someone who specializes in terms and agreements such as this. It can definitely be worth the time and money to hire one in some cases. Generally though, you should be able to ask your insurance provider most of the things that you need to know.

How do I avoid getting a hydrolocked engine?

A hydrolocked engine occurs as a result of taking on too much water. The best way to avoid too much water is to never take risks with water. It is important to make sure that you never attempt to cross through deep puddles. It is also extremely important to make sure that you follow evacuation warnings and the weather. Knowing when bad weather is coming will allow you to be able to protect your vehicle as best as possible. If you are buying a used vehicle, it is extremely important to make sure that you look into its background. Try not to buy a vehicle that has had previous flooding problems or that has been in a flood at all. Before buying a vehicle, it is a good idea to have someone look over it for you to make sure everything is in tip-top shape. You can never be too careful.

Is hydrolock covered by warranty?

If you have just found out that you aren’t covered by your insurance, you might be interested in finding out if you’re covered under warranty. Depending on your warranty agreement, you actually might have coverage against a hydrolocked engine. Some warranties though, only cover against things like wear and tear. This means that you are unlikely to be able to get coverage through your warranty company. However, it definitely depends on how your engine became hydrolocked in the first place. It is a good idea to get in touch with your warranty company. They will be able to tell you for sure if this is something that you have coverage for.

Circumstances regarding the hydrolocked engine

There are many different ways that a hydrolocked engine can occur. Unfortunately, depending on how your engine became hydrolocked, you might not be able to get coverage at all. Most insurance policies will not cover you if it is obvious that you did not properly maintain your vehicle. For example: if you constantly leave your engine under your eavestrough, your insurance company would have grounds to deny your claim. A reasonable person would not risk having that much water pour onto their vehicle on a regular basis. In this case, it is safe to assume that any damage that was done, was a result of neglect. Keep in mind, racing or driving into deep puddles at the time your engine hydrolocked are also good reasons for an insurance company to deny your claim.

Hydrolocked engine repair costs

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The repair cost really depends on the circumstances and how badly damaged your engine is. There are all sorts of parts that can break down as a result of a hydrolocked engine. The most common types of damage include things like a fractured cylinder head, a fractured block, damage to your bearings, damage to your crankcase, etc. Depending on how many things are damaged and the hours a mechanic needs to work on a vehicle, it can be very expensive. Major engine components might need to be entirely replaced. In severe circumstances, sometimes the entire engine needs to be rebuilt or replaced. If something like this occurs, you can expect the repairs to cost thousands of dollars. This is the main reason why many people like to get coverage.

To Conclude

It is never a good thing if your engine happens to become hydrolocked. It can be very hard to predict when this will happen or if it will happen at all. Often times, a hydrolocked engine occurs as a result of extreme weather conditions. When this is the case, you can expect to receive compensation so long as you have the right insurance policy. If you’re even worried about is occurring, it is important to make sure you check with your insurance company about coverage. Not all insurance companies do cover this type of damage, which is why it is so vital to learn about. You should always know what you are and aren’t covered for in an insurance policy. This will allow you to take proper care of your vehicle in order to best protect it from damage.

Resources:

https://en.wikipedia.org/wiki/Hydrolock

https://www.autoinsurance.org/is-hydrolock-covered-by-insurance/