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Auto Insurance Claims/hydrolocked engine

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Expert: Charlie Barone - 8/30/2009


Question
Hi
I hydrolocked my engine during a bad rainstorm. I have full coverage due to the fact that the bank partly owns my vehicle at the moment.
Under comprehensive insurance will my vehicle be covered?
Also should I be able to keep the engine once its all said and done?

Answer
You should be covered under your comprehensive coverage. I'm not sure what you mean by being "able to keep the engine," but if the engine is replaced with a rebuilt motor there is likely to be a core charge on a rebuilt motor. So no, you won't be able to keep your old motor.

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Charlie Barone

Expertise

For questions involving auto damage claims, collision repair, forensics, industry practices, we can help. We specialize in claims for loss of resale value (Diminished Value).

Experience

I have 30 years experience in the collision repair and body reconstruction field, both hands-on and from behind the desk. I hold a Master Certification from ASE in the Body and Paint category, as well as their certification in Estimating. I have authored over 120 feature and training articles for the largest trade journal devoted to the collision repair industry, and have given expert testimony in court dozens of times. Licensed physical damage appraiser in Pennsylvania and reciprocal states.

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