Need Insurance info on Hydro-locked Engine
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TECH Apprentice
Joined: Jul 2002
Posts: 339
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From: Ft. Walton Beach Florida
Need Insurance info on Hydro-locked Engine I hydro-locked my engine today, We are under flash flood warnings. I turn down a road and it had about 2-inches of standing water, I slowed down and tried to get into the other lane, but the car died, so I guided it off the road. I tried to start it and got a sick grinding sound. When the tow truck lifted the car and removed it I noticed oil and gas on the ground. I think the procharger sucked the water in, but could be mistaken.
Does anyone know how Insurance Companies handle this type of thing and if they will even cover it? I have a $500 deductable on the car, so I'm hoping I will just have to pay the $500 and the insurance company will cover the rest.
Does any one know how this all normally works out, will the auto shop have to select the engine, will I get to, will it have to be a stock GM engine? Any information on how the process works, would be very helpful.
The Car is a 99 T/A
Does anyone know how Insurance Companies handle this type of thing and if they will even cover it? I have a $500 deductable on the car, so I'm hoping I will just have to pay the $500 and the insurance company will cover the rest.
Does any one know how this all normally works out, will the auto shop have to select the engine, will I get to, will it have to be a stock GM engine? Any information on how the process works, would be very helpful.
The Car is a 99 T/A
TECH Resident
Joined: Dec 2001
Posts: 918
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From: Baton Rouge, LA
Re: Need Insurance info on Hydro-locked Engine Insurance doesn't cover engine failure due to driving thru water. Heck, they don't cover any moving parts on the vehicle unless it was involved in a wreck.
Re: Need Insurance info on Hydro-locked Engine Call'em & see if it's covered under comprehensive. Depends on the carrier but they'll try to wiggle out of it any way possible. + I doubt they cover any hi po parts.
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Joined: Dec 2001
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From: Plainville,MA
Re: Need Insurance info on Hydro-locked Engine I lost the motor to my 89 Formula 350 to "HYRDOLOCK" it was and should be covered!
It was classafied as "ACT OF GOD TYPE DAMAGE" it is the same as hail,blizzard,locust or wildfire ! <img border="0" title="" alt="[Eek!]" src="gr_eek2.gif" />
I would talk to your agent,U should be covered if U have comprehensive ! <img border="0" title="" alt="[Wink]" src="gr_images/icons/wink.gif" />
It was classafied as "ACT OF GOD TYPE DAMAGE" it is the same as hail,blizzard,locust or wildfire ! <img border="0" title="" alt="[Eek!]" src="gr_eek2.gif" />
I would talk to your agent,U should be covered if U have comprehensive ! <img border="0" title="" alt="[Wink]" src="gr_images/icons/wink.gif" />
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TECH Apprentice
Joined: Jul 2002
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From: Ft. Walton Beach Florida
Re: Need Insurance info on Hydro-locked Engine Those that had their engine's lockup and replaced, how was the replacement of engines handled? Did you get to basicly pick the engine or did they call say GM and have them send you a new engine? Or did they just go with what the auto shop stated and pay that amount minus the deductible?
Staging Lane
Joined: Jan 2002
Posts: 56
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From: Coral Springs, FL
Re: Need Insurance info on Hydro-locked Engine That sucks! I hydrolocked my engine a year and a half ago (damn SLP cai kit) my insurance company covered it. What sucks is before that, the LS6 wasn't available as a crate engine. GM charged progressive 10,000 to replace!!!! I had to pay 800 in mileage charges at the time 10,000 miles were on it...I'm not sure what they'll do with the procharger on. I returned my car to completely stock before I took it in. Good luck!
Re: Need Insurance info on Hydro-locked Engine I hydrolocked my engine in the summer of 2000. Geico covered it under comprehensive. They gave me three options:
- They'd pay to have an engine from a salavage yard installed with about the same amount of miles.
- I could get a new block from GM, but I'd have to pay the difference between the first option and what GM wanted for the block
- I could get a check cut for all parts & labor to perform option 1, and do anything I wanted with it.
I chose the latter.
- They'd pay to have an engine from a salavage yard installed with about the same amount of miles.
- I could get a new block from GM, but I'd have to pay the difference between the first option and what GM wanted for the block
- I could get a check cut for all parts & labor to perform option 1, and do anything I wanted with it.
I chose the latter.
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Joined: Dec 2001
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From: Plainville,MA
Re: Need Insurance info on Hydro-locked Engine </font><blockquote><font size="1" face="Verdana, Helvetica, sans-serif">quote:</font><hr /><font size="2" face="Verdana, Helvetica, sans-serif">Originally posted by Lost & Found2:
<strong>Those that had their engine's lockup and replaced, how was the replacement of engines handled? Did you get to basicly pick the engine or did they call say GM and have them send you a new engine? Or did they just go with what the auto shop stated and pay that amount minus the deductible?</strong></font><hr /></blockquote><font size="2" face="Verdana, Helvetica, sans-serif">Well back in 90 when this happened the car was very new so the dealer let the insurance company know its options eventually after talking with me and the dealer the dealer ordered in a "sert" engine I believe it was called !
It was a motor taken directly from the Van Nuys assembly line and shipped to dealer along with all new peripherals ie. water pump, a/c compressor, power steering pump,starter motor !
Well U get the idea ! <img border="0" title="" alt="[Wink]" src="gr_images/icons/wink.gif" />
<small>[ September 26, 2002, 04:28 PM: Message edited by: Orange Krush ]</small>
<strong>Those that had their engine's lockup and replaced, how was the replacement of engines handled? Did you get to basicly pick the engine or did they call say GM and have them send you a new engine? Or did they just go with what the auto shop stated and pay that amount minus the deductible?</strong></font><hr /></blockquote><font size="2" face="Verdana, Helvetica, sans-serif">Well back in 90 when this happened the car was very new so the dealer let the insurance company know its options eventually after talking with me and the dealer the dealer ordered in a "sert" engine I believe it was called !
It was a motor taken directly from the Van Nuys assembly line and shipped to dealer along with all new peripherals ie. water pump, a/c compressor, power steering pump,starter motor !
Well U get the idea ! <img border="0" title="" alt="[Wink]" src="gr_images/icons/wink.gif" />
<small>[ September 26, 2002, 04:28 PM: Message edited by: Orange Krush ]</small>
Re: Need Insurance info on Hydro-locked Engine </font><blockquote><font size="1" face="Verdana, Helvetica, sans-serif">quote:</font><hr /><font size="2" face="Verdana, Helvetica, sans-serif">Originally posted by Evil SS:
That sucks! I hydrolocked my engine a year and a half ago (damn SLP cai kit) my insurance company covered it. </font><hr /></blockquote><font size="2" face="Verdana, Helvetica, sans-serif">I'm amazed the SLP CAI did that as it doesn't stick down very far compared to the FTRA.
That sucks! I hydrolocked my engine a year and a half ago (damn SLP cai kit) my insurance company covered it. </font><hr /></blockquote><font size="2" face="Verdana, Helvetica, sans-serif">I'm amazed the SLP CAI did that as it doesn't stick down very far compared to the FTRA.
