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How does hydroplaning affect insurance?

how does hydroplaning affect insurance
If you get into an accident due to your car hydroplaning, collision coverage would cover damage to your vehicle. Additionally, if you hit someone else in a hydroplane car accident and are found to be at fault after your insurer investigates the accident, your liability coverage may cover injury to the other party and damage to their vehicle.
Depending on your policy, your auto insurance may cover hydroplane accidents. If you get into an accident due to your car hydroplaning, collision coverage would cover damage to your vehicle.

Do auto insurance policies cover hydroplaning?

If your vehicle hydroplanes and causes an accident, collision coverage would pay for the damages. In addition, if you are determined to be at fault for a hydroplane automobile accident following an investigation by your insurer, your liability coverage may cover injuries to the other person and damage to their vehicle.

How Much Water Is Required to Hydroplane? – Hydroplaning can occur on any wet road surface, but the first ten minutes of a continuous rain are the most dangerous. When light rain combines with oily residues on the road surface, it creates slick conditions that can cause automobiles to aquaplane, especially those traveling at speeds more than 35 mph.

This combination is hazardous for drivers and neighboring traffic. Although speed, road conditions, and tire wear all play a part in hydroplaning, water depth is the primary reason. Hydroplaning is likely if water accumulates to a depth of at least one-tenth of an inch or more across at least 30 feet while the vehicle is traveling at a speed of at least 50 miles per hour.

In poor weather conditions such as fog, mist, ice, and snow, the risk of a motor vehicle accident increases. However, it is not often the heavy rain and snow that causes the greatest fatalities; it is the drivers who are unprepared for hazardous weather.

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How does hydroplaning impact a vehicle’s balance?

Do Not Use Cruise Control in Wet Conditions – Cruise manage is a function used to control and maintain the car’s speed at a steady pace. With speed control, the rotating speed of the wheels is continually detected and transmitted to the cruise control, which adjusts the engine’s output.

Under conditions such as hydroplaning, the speed sensor will monitor the speed and adjust it up or down to maintain it. For instance, if the driver sets the cruise control to 80 miles per hour, the vehicle will hydroplane and maintain that speed on wet, slippery roads. In a hydroplaning condition, a hasty use of the brakes might throw off the car’s balance.

If the driver cannot handle this scenario safely, it might result in a serious loss of vehicle control. Wet roads have a considerable impact on tire traction. This, in turn, will impair the driver’s ability to evaluate and take remedial action. Consequently, the driver should evaluate the road conditions and modify the vehicle’s speed accordingly.