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Insurance: vehicle flooded?
Posted on 8/13/16 at 5:44 pm
Posted on 8/13/16 at 5:44 pm
Some of my neighbors (we were so close, still not out of the woods yet) have vehicles flooded/floating in the street. They asked, and not sure, that obviously their vehicle(s) are now totaled. But does insurance (full coverage) cover this? (They were saying that its an act of God so they do not know) . If so, with it being a disaster like this, will there be a long wait period to get $ or is it usually quick claims process? They were thinking that in a wreck, obviously insurance needs to find who is at fault, investigate, etc-but in this situation, with 1000s of claims in a short period, all due to a major event, should be less investigation, finding fault, thus quicker payouts)
8
Posted on 8/13/16 at 5:47 pm to CoachRobertson
I'm sure it depends on the policy.
Bare bones policy wouldn't but GEICO covered my car when it went under about six years ago.
I had it towed to an adjusters office and they took it from there.
So, yes, there are policies that cover it.
Bare bones policy wouldn't but GEICO covered my car when it went under about six years ago.
I had it towed to an adjusters office and they took it from there.
So, yes, there are policies that cover it.
Posted on 8/13/16 at 5:48 pm to CoachRobertson
My wife drove into high water during the flooding in March and we had a new car 2 weeks later. USAA was really quick with everything, just a call and they picked up the vehicle within a day. They totaled it and we had a check rather quickly.
Just to note, the car had water up to the floor boards. But I think what really did it in was she kept trying to start it and drive with water coming into the car.
Just to note, the car had water up to the floor boards. But I think what really did it in was she kept trying to start it and drive with water coming into the car.
Posted on 8/13/16 at 5:49 pm to CoachRobertson
I would say it totally depends on the coverage that each person has...
Posted on 8/13/16 at 5:49 pm to CoachRobertson
I think you have to have comprehensive to cover it, could be wrong on that
Posted on 8/13/16 at 5:50 pm to CoachRobertson
Do you sell cars for a living?
Posted on 8/13/16 at 5:51 pm to CoachRobertson
It should if they have comprehensive.
Posted on 8/13/16 at 5:51 pm to CoachRobertson
If they have comprehensive coverage on the vehicle policy there is coverage.
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Depends on the type of water and amount of water. Flood damage to a vehicle is repairable. But if sufficient water is in the dash area or possibly under seat depending on where the computer is located chances of a total loss are increased.
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If water is ingested and there is damage to rods/cylinders/ engine higher chance of Total loss. Will check fluids for water etc.
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Depends on the type of water and amount of water. Flood damage to a vehicle is repairable. But if sufficient water is in the dash area or possibly under seat depending on where the computer is located chances of a total loss are increased.
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If water is ingested and there is damage to rods/cylinders/ engine higher chance of Total loss. Will check fluids for water etc.
Posted on 8/13/16 at 5:53 pm to burgeman
Thanks for the info. They have Progressive, not sure about my other neighbors. Bet the dealers going to be swamped for the next month, crazy the amount of vehicles I have personally seen flooded, let alone on TV. We are steady right now, pray is stays that way (or just go down completely would be great)
Posted on 8/13/16 at 5:55 pm to NewIberiaHaircut
quote:
Do you sell cars for a living?
Yes, that does not make me a insurance agent too. I have no idea with flooded vehicles, what coverages you have to have, and criteria (as someone mentioned, depends on damage/guidelines set by insurance)
Posted on 8/13/16 at 5:57 pm to CoachRobertson
Insurers will probably have most vehicles towed to cop art in green well springs. Have someone inspect once at the yard or staging area for type and depth of water in vehicle. Determine if pad can be pulled and changed and fluid changed etc or if more work required. If damage to electrical systems and engine may be total loss. Given number of vehicles the process could be a few days to a few weeks.
Posted on 8/13/16 at 5:57 pm to burgeman
quote:
My wife drove into high water during the flooding
That's kind of amazing to me they even paid whenever she drove into it.
Posted on 8/13/16 at 6:04 pm to TennesseeFan25
I was skeptical of it as well, but I told them what happened and they were fine with it.
Posted on 8/13/16 at 6:06 pm to TennesseeFan25
As long as "accidental" it is covered. Depends on intent. Cover stupidity too.
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If intentional to attempt to total vehicle would be investigated as fraud.
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If intentional to attempt to total vehicle would be investigated as fraud.
Posted on 8/13/16 at 6:08 pm to CoachRobertson
Most comprehensive auto property damage covers flood damage.
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