Car Insurance and Water Damage to Engines

Have you ever dealt with water damage to your car engine? If you have then you know it can lead to hydrolocking. This occurs when you’re driving during times of heavy precipitation, wet conditions, or when there’s excess water on the roads.

Water can damage your vehicle as it affects the internal combustion and causes the engine to seize.

If you live in an area that involves a lot of driving near or in water, then this is something you should definitely be preparing for. Here’s what you need to know!

What is Hydrolock Car Insurance?

Hydrolock car insurance is a type of insurance offered for hydrolock engine damage repair costs. These costs can be quite expensive because the damage takes a lot to fix. If your engine becomes hydrolocked because of water then you’ll need more than basic insurance coverage to get the costs taken care of.

Comprehensive car insurance will cover hydrolock damage. This is what you’ll need as a part of your car insurance policy in order to ensure protection.

What Factors Affect Your Insurance Rate?

It’s important to remember there are a lot of factors that can affect your car insurance, such as:

·       Age

·       Gender

·       Location

·       Driving history

·       Coverage type

Does Regular Car Insurance Cover Water Damage to Engines?

Regular or basic car insurance in Longmont only covers situations where you get in an accident with another vehicle. This means coverage for bodily injury and any property damage caused from the accident.

Because your engine doesn’t hydrolock in the event of an accident, regular car insurance doesn’t cover it. Unless you find yourself in a situation where your vehicle crashes into a body of water, which is very unlikely. That’s why it’s so important to look at other coverage in place.

If you have questions or are wondering if your car insurance policy covers water damage to your engine, we’re here to help! Give us a call today to review your policy and get answers to your questions.