Auto Insurance Insurance

Does Insurance Cover Hydroplaning? – What You Need to Know

Does Insurance Cover Hydroplaning? - Everything You Need to Know
Written by Henry

Does Insurance Cover Hydroplaning? or have you’ve ever had your car hydroplane on the road, you know how scary it can be. Hydroplaning occurs when water builds up between your tires and the road, causing your car to lose traction and leave skid marks across the pavement.

Luckily, suppose you’re driving an insured vehicle. In such a case, you may want to file a claim with your auto insurance company to help pay for repairs or possibly even damages to other vehicles or property in the area if you’re involved in an accident due to hydroplaning.

What is hydroplaning? Does Insurance Cover It?

Hydroplaning occurs when a vehicle is in contact with water, loses traction on that surface and begins to float. In some cases, hydroplaning is more like aquaplaning because of the high speed; you may be still in contact with the road, but your tires are no longer touching it.

Hydroplaning doesn’t have anything to do with what kind of surface your car is driving on (asphalt or concrete) but rather how fast you’re traveling.

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Is Hydroplaning preventable?

Though many people think of hydroplaning as an accident, the best way to avoid hydroplaning is by avoiding speeds that are too fast for road conditions.

Slow down if there’s water on the road, and always make sure your tires are properly inflated. Also, keep in mind that if you hit a bump or pothole at high speeds, you may cause your vehicle to lose control.

Avoid going over that spot entirely when driving through a heavy downpour if water has pooled in one particular roadway area (such as from rain). Even if you start to skid due to wet roads, stay calm and try not to apply your brakes until you’ve gained control of your vehicle again.

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How Much Will It Cost Me To Fix The Damage From A Hydroplane Incident?

You can expect your premium costs for hydroplane insurance to increase by between 30% and 50%. Many drivers feel frustrated by these additional costs, but you must understand why they happen.

Most auto insurance providers will have a separate provision that addresses auto accidents caused by skidding and hydroplaning. Some people incorrectly assume that since coverage is included in their policy, they will never be responsible for paying more.

Experience an incident of skidding or hydroplaning. You could be on the hook for thousands of dollars in repairs and medical bills. The best way to avoid being surprised when you file a claim is by reading your insurance policy.

How many inches of water causes hydroplaning?

If you’re in a front-wheel-drive vehicle, you can start hydroplaning when as few as two inches of water are on the road. If you’re in a rear-wheel-drive car, you should be safe with as little as four inches of water.

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Overall, your vehicle can start hydroplaning when it rides atop eight inches of water or more. In other words, if there is enough standing water on a road for an inch of depth per square foot, that area is considered hazardous to most vehicles (save those with all-wheel drive).

The bottom line? Your auto insurance may cover hydroplane accidents, but only if it results from moisture and not from speed.

Is My Car Covered For A Hydroplane Accident?

Absolutely yes! But some of us are guilty of driving in less-than-ideal conditions. Driving through puddles, while it’s still raining, or around a recently polished car are all mistakes we’ve made (or been a passenger during).

When you drive on wet pavement, your tires can hydroplane. Your car wheels aren’t actually in contact with the ground, causing them to slide on top of whatever liquid was covering your wheels and potentially wrecking your car.

While hydroplaning isn’t typical, if you drive responsibly and carefully, you must know what will happen if you get into an accident under wet road conditions. Does insurance cover hydroplaning accidents? How much could I be left without of pocket?

Can I File An Auto Insurance Claim With My Agent Or Company Without Reporting The Incident To Police?

While your state’s auto insurance laws vary, as a general rule, you’re not required to report an accident to the police to file a claim with your insurer. Instead, you may be able to submit a claim form and all supporting documentation directly through your insurer.


Are you at fault for hydroplaning

There are several reasons for hydroplaning. If you’re at fault for hydroplaning, your insurance company could try to get out of paying for any damages if you end up in an accident. While it might seem obvious, check with your insurance company or agent if you’re at fault for hydroplaning and want coverage.

How long do comprehensive claims stay on insurance

Total shares remain on your insurance for as long as you own your car.

Will Hydroplaning insurance go up after the claim?

Hydroplaning can occur due to either a defect in your vehicle or after you drive through too deep water. In either case, insurance companies classify it as an at-fault accident. If you haven’t been involved in any other accidents, your rates will likely increase by several hundred dollars per year. If you’ve already had claims on your policy, they could skyrocket by $1,000/year.

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