Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years Laura Walker

UPDATED: Dec 7, 2021

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The Concise Case

  • Hydrolocked engines can be covered by insurance
  • You’ll need a comprehensive insurance policy to get repairs covered
  • The insurer may consider your car a total loss and raise your rates

When does auto insurance cover hydrolock? It’s not exactly Auto Insurance 101, but we’ve got all the answers you need.

If you’ve got the right insurance policy, you can get sudden hydrolock repairs covered. However, you should also know how the claim will raise your rates and may total your vehicle.

Now that you know auto insurance can cover hydrolock, enter your ZIP code into our free quote tool to see what you could pay for comprehensive coverage.

When is hydrolock covered by auto insurance?

Whether or not your insurance company will cover your hydrolocked engine will depend on your insurance policy. For instance, liability coverage will not cover any damages to your vehicle.

If you want to have coverage when your engine becomes hydrolocked, you’ll benefit from having a comprehensive insurance policy.

Does comprehensive insurance cover hydrolock?

Comprehensive auto insurance represents a great tool that can protect your vehicle from a wide range of damages. According to the Insurance Information Institute, some of the conditions comprehensive auto insurance covers include:

  • Theft
  • Vandalism
  • Weather damage

Whether or not your auto insurance will cover hydrolocked engines may come down to the specificities of how the damage occurred.

For example, if your area gets a lot of rain and your car is flooded due to the consequences, you’ll likely be able to get coverage. However, if this water damage occurs over time, it may qualify as wear-and-tear and won’t be covered by your auto insurance policy.

How much does hydrolock insurance cost?

According to the Insurance Information Institute link above, comprehensive auto insurance can cost over $134 a year. This considers coverage for damages that occur as a result of anything other than collisions and liability coverage.

Collision coverage covers events wherein you collide with another vehicle or object. Collision coverage can cost you around $290 a year. The insurer will be able to help you pay for damages to your vehicle after you pay your deductible.

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What can cause engine flooding?

A hydrolocked engine is when a combustion engine has become flooded with water. This can happen in various ways, but it keeps your engine from being able to burn your fuel and run.

Some of the causes of engine flooding includes:

  • Flooding from rain
  • Driving through high water
  • Wear-and-tear from lack fo use

If your car comes into contact with a large body of water, trouble with your engine can ensue. Water damage can even occur when longstanding contact with water takes place and you don’t use the vehicle.

What auto insurance companies cover hydrolocked engines?

Many popular insurance companies can provide a comprehensive policy to most clients. Some of the best comprehensive auto insurance companies include:

  • Progressive
  • Allstate
  • State Farm

All of these companies are on the list of the top 10 auto insurance companies in the U.S. One or more of them should be able to provide you with affordable coverage to ensure protection against sudden damages that are out of your control.

What does the hydrolocked engine repair cost?

The cost to repair the actual hydrolocked engine can get quite expensive so that an insurance policy would be a great help. Depending on the level of damage your engine has sustained, you could quickly pay well over $3,000 to get your motor working again.

As you can imagine, this can be an enormous cost to face at one time, so an insurer helping you after you pay your deductible would be a great aid.

Curious about how to file a hydrolocked engine insurance claim?

When you file an insurance claim, you must ensure that you are prepared for the claim process. It will also help if you’re as knowledgeable about your auto insurance policy as you can be.

Some of the things you need to do to file a claim include:

  • Documenting damages
  • Contacting the insurer
  • Getting a repair estimate (Consider multiple opinions)
  • Pay your deductible
  • Receive your payment for the rest of the repairs

Once you have paid your deductible, your insurer will pay for the rest of your repairs. You should be aware, though, that your insurance company will likely raise your rates after your claim.

Should you file a hydrolock insurance claim?

When you file an auto insurance claim, there are consequences you’ll likely have to face. These consequences include raised rates and paying into your deductible before you can get coverage.

Some of the cases when you might not want to file a hydrolock insurance claim include:

  • Your car will be considered a total loss
  • The repairs are lower than your deductible
  • You don’t want to pay higher rates

If you have concerns about the cost of losing your insurance status on your current vehicle, consider your policy’s specificities.

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Hydrolock Engine Repairs and Auto Insurance: The Bottom Line

You’ll likely need comprehensive auto insurance to get your hydrolocked engine covered. After you pay your deductible, the insurer should pay for the costs of the repairs. However, if your car is considered a total loss, you may just get reimbursed for the value of that vehicle.

When does auto insurance cover hydrolock? Enter your ZIP code into our free quote tool to see what you could pay for comprehensive auto insurance today.