Does auto insurance cover hydrolock?
Does auto insurance cover hydrolock? While a hydrolocked engine is covered by insurance, you need the comprehensive coverage to be eligible to file a hydrlocked engine insurance claim.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Fact | Source |
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Hydrolocking is usually caused by people driving through large puddles | carthrottle.com |
Hydrolocking can also occur due to a cold air intake system | carthrottle.com |
Hydrolocking is when an engine either seizes or fails due to water in the cylinders | carthrottle.com |
Water entering a combustion engine causes many unseen problems | carbrain.com |
The first sign of hydrolocking is when your engine stops suddenly. | cashcarsbuyer.com |
Does auto insurance cover hydrolock? What even does a hydrolocked engine mean?
Imagine driving down the road, and your car suddenly starts sputtering. You hear a loud thunk, and your engine shuts down. No matter how hard you try to restart the vehicle, the engine won’t turn over.
A hydrolock occurs when water enters your engine and prevents pistons from working properly. If your car is parked when it happens, your engine will probably come out relatively unscathed. However, if you’re driving, your engine could face catastrophic damage.
Luckily, a hydrolocked engine is covered by comprehensive car insurance as long as the damage was unintentional.
Read on to learn how a hydrolocked engine is covered by insurance and what coverage you need to protect your car. Then, see how to get multiple auto insurance quotes to find the best rates possible.
In the meantime, feel free to type your ZIP code into our helpful tool above to find rates in your area from insurers who will help with a hydrolocked automobile.
What is a hydrolocked engine?
A hydrostatic lock — or hydrolock for short — occurs when fluid prevents your engine’s pistons from reaching the top of their strokes. Understanding how car engines work might seem confusing, but the process is relatively simple.
An engine becomes hydrolocked when liquid gets into one or more cylinders, but it won’t lock down unless there’s enough fluid to prevent the piston from reaching the top of its chamber. Once a piston can’t reach its uppermost stroke, it abruptly stops.
Unfortunately, one piston stopping does the same to the others. When that happens, your engine shuts down and is officially hydrolocked.
While most engines hydrolock when a driver goes through deep water, there are many ways to accidentally introduce moisture into the engine and hydrolock it. The amount of damage that occurs to the engine depends on the situation.
For example, if your engine hydrolocks while idling or parked, you’ll probably just need a tow and have the water drained from the engine.
Your engine can also hydrolock when it’s not running. This happens when liquid fills the cylinders and prevents the starter from cranking the engine. This is the best-case scenario for a hydrolocked engine because the only risk of damage is if you leave the liquid in your engine.
However, it can be extremely dangerous if your engine hydrolocks while driving. Bent connecting rods, cracked crankshafts, fractured cylinders, blown oil seals, and even a destroyed engine block can result from a hydrolock at the wrong time.
A hydrolock can happen in a variety of ways, including:
- Driving through deep water
- A coolant or oil leak
- Water entering the intake
- Fuel injector leak
Cold air intake engines are more susceptible to hydrolocking, but any engine can experience it in the right conditions.
Read more:
- Does auto insurance covers water leaks?
- How Car Engines Work: Understanding The Internal Combustion Engine
How do you know if your engine is hydrolocked?
Your car will display different symptoms depending on the operational status of your engine at the time of the hydrolocking, including:
- Unexpected sputtering
- Sudden stalling
- The engine refusing to turn over
- A thump noise when you try to start your car
- A hammering or knocking noise
Before the hydrolock is set, you’ll notice that your car will start running rougher than usual. If only a small amount of water seeps into your engine, it might escape through your exhaust. However, if more water enters the engine, you’ll hear a loud knocking.
When too much water enters the engine, it might run for a few more seconds. Then, with a loud thud, your engine will shut off.
At this point, your engine won’t turn over without repair. You’ll need to have your vehicle towed to a mechanic shop to flush the engine. Here you can find cheap roadside assistance companies that will help should you find yourself stranded or needing a tow.
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Is a hydrolocked engine covered by insurance?
Is hydrolock covered by insurance? Yes, if you have the misfortune of your engine hydrolocking, your car insurance will cover it, but only if you have the right policy.
Liability insurance and collision insurance won’t cover water damage, but comprehensive does. Comprehensive insurance covers damage caused outside of accidents, including bad weather, vandalism, theft, fire, and flooding.
However, even comprehensive might not cover a hydrolocked engine. If the damage to your engine was caused by poor maintenance or intentional driving (such as purposefully driving into deep puddles), your insurance company could deny the claim.
How much does comprehensive auto insurance cost?
Comprehensive coverage is generally affordable for anyone interested in protecting their car from hydrolocking and other unforeseeable damage.
The actual amount you’ll pay depends on a variety of factors, including the car you drive, your age and gender, and even your credit score. However, you can get an idea of what you’ll pay by checking the average annual price of comprehensive and full coverage auto insurance in your state.
Average Annual Comprehensive Auto Insurance Coverage Rates by State
States | Average Annual Comprehensive Rates | Full coverage |
---|---|---|
Alabama | $169 | $1,000 |
Alaska | $144 | $1,088 |
Arizona | $200 | $1,109 |
Arkansas | $216 | $1,020 |
California | $98 | $1,113 |
Colorado | $234 | $1,177 |
Connecticut | $133 | $1,268 |
Delaware | $132 | $1,323 |
Florida | $136 | $1,414 |
Georgia | $170 | $1,267 |
Hawaii | $105 | $917 |
Idaho | $131 | $777 |
Illinois | $136 | $963 |
Indiana | $131 | $828 |
Iowa | $205 | $777 |
Kansas | $264 | $937 |
Kentucky | $156 | $1,032 |
Louisiana | $234 | $1,618 |
Maine | $109 | $760 |
Maryland | $162 | $1,247 |
Massachusetts | $143 | $1,205 |
Michigan | $158 | $1,507 |
Minnesota | $199 | $937 |
Mississippi | $228 | $1,092 |
Missouri | $203 | $989 |
Montana | $267 | $962 |
Nebraska | $250 | $962 |
Nevada | $117 | $1,271 |
New Hampshire | $115 | $859 |
New Jersey | $130 | $1,457 |
New Mexico | $197 | $1,043 |
New York | $176 | $1,484 |
North Carolina | $129 | $824 |
North Dakota | $246 | $817 |
Ohio | $128 | $853 |
Oklahoma | $251 | $1,079 |
Oregon | $102 | $1,014 |
Pennsylvania | $161 | $1,053 |
Rhode Island | $138 | $1,450 |
South Carolina | $197 | $1,132 |
South Dakota | $305 | $860 |
Tennessee | $158 | $950 |
Texas | $242 | $1,268 |
Utah | $120 | $974 |
Vermont | $141 | $832 |
Virginia | $145 | $916 |
Washington | $114 | $1,067 |
West Virginia | $215 | $1,072 |
Wisconsin | $151 | $799 |
Wyoming | $292 | $931 |
Comprehensive insurance tends to be very affordable, but you typically can’t buy comprehensive car insurance alone. Most states require liability coverage before you can legally drive, and several also require uninsured motorist coverage.
Comprehensive insurance will increase the cost of your policy, but it will be well worth the price if something happens to your engine.
How do you file a hydrolocked engine insurance claim?
A hydrolocked engine insurance claim works the same as any other claim if you have comprehensive insurance. You’ll first need to contact your insurance company. Many big insurance companies have mobile apps or websites you can use, but you can always call your agent.
Once the claim process is started, the company will send an adjuster to look at your engine. The adjuster will try to determine the cause of the hydrolock and whether the damage was intentional.
If the claim adjuster signs off that your policy covers the damage, your company will double-check that you signed up for your policy before the damage occurred. If you try to make a claim for damage that happened before you bought your coverage, you might be accused of committing insurance fraud.
As long as everything is correct, the claims process will move forward. After you pay your deductible, the company will cover the rest of the repairs.
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Can you repair a hydrolocked engine?
Usually, hydrolocked engines can be repaired, though the cost will depend on how much damage was done.
How much does it cost to repair an engine after a hydrolock? Unfortunately, repairs can be very expensive. Typically, you’ll be looking at a bill between $3,000 and $8,000.
The first step to repairing a hydrolocked engine is to get all the water out of it. Then, a mechanic will replace the spark plugs and crank the engine. Sometimes, that’s all that you’ll need to get your engine back into working order.
However, there can be a lot of unseen damage to your engine after it hydrolocks. If you were driving the car when it happened, you’d likely have severe engine damage. A mechanic will probably need to pull out the internal combustion engine, strip it down, and inspect every part for damage.
The most common damage includes scored bearings, cracked pistons, and bent connecting rods. Additionally, the cylinder head will need a pressure test, and the engine block should be checked for cracks. Finally, the crankshaft should be measured to make sure it’s straight. (For more information, read our “Does auto insurance cover engine failure?“).
How to Find Affordable Auto Insurance to Cover Hydrolock
Water can enter your engine in a variety of ways, some of which can be avoided and others cannot. Comprehensive coverage can help protect your engine from the extreme damage that can come from a hydrolock.
Comprehensive auto insurance rates will be more expensive, but it can cost you up to $8,000 or more to fix a hydrolocked engine without coverage.
Now that you know a hydrolocked engine is covered by insurance, the next step in protecting your car is to shop around for quotes. You can find cheap car insurance with the perfect policy for your needs by comparing rates with as many companies as possible.
In the meantime, please feel free to type your ZIP code into our helpful tool below to find reasonable rates in your area for the comprehensive coverage that will help you with your hydrolocked automobile.
Frequently Asked Questions
Does auto insurance typically cover hydrolock?
Auto insurance policies typically do not cover hydrolock as a standard inclusion. Hydrolock occurs when water enters the engine cylinders, causing damage and potentially leading to engine failure. This type of damage is typically considered a result of preventable actions or circumstances and is generally not covered by standard auto insurance policies.
What causes hydrolock?
Hydrolock can occur when a vehicle is driven through deep water or if water enters the air intake system. It can also result from driving through flooded areas, heavy rain, or driving through standing water on the road. The water disrupts the combustion process and can cause significant damage to the engine.
Are there any insurance options that cover hydrolock?
While hydrolock is not typically covered by standard auto insurance policies, there may be specialized insurance options available that provide coverage for mechanical breakdowns or water damage. These options may include mechanical breakdown insurance (MBI) or comprehensive coverage with specific water damage provisions. However, it’s important to carefully review the terms and conditions of these policies, as they often have specific coverage limits, deductibles, and exclusions.
How can I protect myself against hydrolock?
To protect yourself against hydrolock, consider the following steps:
- Avoid driving through deep water: If you encounter flooded areas or standing water on the road, try to find an alternate route. It’s important to avoid driving through water that is deeper than the bottom of your vehicle’s doors or the manufacturer’s recommended fording depth.
- Be cautious during heavy rain: Exercise caution and reduce your speed during heavy rainstorms to minimize the risk of hydroplaning or encountering deep water.
- Regular maintenance: Proper vehicle maintenance, including checking and maintaining the air intake system, can help reduce the risk of hydrolock. Regularly inspecting and replacing worn or damaged parts can help prevent water from entering the engine.
Does auto insurance cover towing if my engine is hydrolocked?
In some cases, auto insurance policies may offer optional coverage for roadside assistance, which can include towing services. This coverage can help cover the cost of towing your vehicle to a repair shop if it becomes inoperable due to hydrolock or other covered events. However, it’s important to check your policy to see if you have this coverage or consider adding it if desired. Additionally, there may be specific limits and conditions associated with this coverage, so review your policy details or contact your insurance provider for specific information.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.