Does Auto Insurance Provide Coverage to Hydro Lock? Here’s All You Need to Know

Does Auto Insurance Provide Coverage to Hydro Lock

In few circumstances, auto insurance might cover hydro lock. There is no entirely different insurance for the hydro-locked motor, but comprehensive coverage might include hydro lock coverage. Does the car insurance provide coverage to the engine from water damage? Yes, comprehensive coverage will cover the hydro lock and damage to the engine from the flood, but it will not hide the negligence or misuse of the owner. The cost of auto insurance that covers hydro lock engines is approximately $11/month. 

In few circumstances, such as floods or hurricanes, the damage to your car might get out of control. At the same time, the damage could be external or internal. 

A hydro lock is an abnormal condition where water gets into the engine due to driving in deep water or weather conditions. Continue reading to learn about hydro lock auto insurance and which type of insurance coverage is right for you. The rates of hydro lock auto insurance are quite affordable, yet we recommend shopping around to get the best price. 

Auto Insurance and Hydro Lock

Remember, your auto insurance doesn’t need to provide coverage to hydro lock. Coverage for hydro lock depends on the insurance coverage you have and the cause of hydro lock. However, no insurance will pay a claim for the owner’s negligence or intentional damage. What is covered in auto insurance depends on the insurance type you select. Usually, there are three basic insurance coverage types: 

  1. Liability: It provides coverage to the other driver’s property damage or bodily injury if you are at fault. It doesn’t cover the hydro lock engine. 
  2. Collision: It covers your property damage and bodily injuries if you are at fault. It will cover the hydro lock engine in case it occurred due to an accident. 
  3. Comprehensive: It provides coverage to your property due to non-collision factors such as flood, theft, or vandalism. It will cover hydro lock in specific circumstances. 

Many states require you to carry at least liability insurance; however, it doesn’t provide coverage for all incidents. Thus, insurance companies usually recommend adding collision and comprehensive coverage into your policy. 

If you have a hydro lock engine, you will most likely need comprehensive auto insurance. It will provide coverage to your vehicle because of flood or other weather conditions, not from driver’s negligence or accidents. Any car damaged in flood is likely to get totaled, so it is crucial to have the right insurance policy. 

Auto Insurance and Engine Damage 

As mentioned earlier, few engine damages might cover a basic insurance policy, but only when it happens in an accident where you are not at fault. Also, engine damage that occurred due to non-collision factors will need an additional insurance coverage policy. 

Adding comprehensive insurance coverage is the best option to add to your insurance policy. It covers various engine damage caused by non-collision factors such as hail, theft, vandalism, flood, or fire damage. 

FAQs: Is Hydro Lock Covered in Auto Insurance?

1 – Does auto insurance provides coverage to flood damage?

It depends on the insurance coverage type you purchased. If you have basic coverage, i.e., liability coverage, it will not cover engine damage, and you might pay the repairing cost out of your pocket. To cover engine damage, you must have comprehensive coverage. 

2 – Can a Hydro lock engine get repaired?

Yes, the engine can be repaired; however, the cost might be extensive or small depending on the damage caused to the engine. The repair includes removing water from the cylinders, changing the spark plugs, and more. It can be costly and labor-intensive or cheap and quick.  

3 – What is the cost to fix a hydro-locked engine?

As discussed, the cost incurred will directly relate to the sustained damage to the engine. The repairing cost can vary from few hundred bucks to approximately ten thousand dollars. The cost of repair also depends on the car’s worth, as the more expensive the spare parts, the higher the cost will be.