Comprehensive Car Insurance?

Question

My Partner has driven through a massive puddle of water and as a result his engine has seized, he has been quoted $2,500+ for it to be fixed, the market value on the car is only $3,900. The car has comprehensive insurance- does anyone have any idea if this should cover the cost of the repair, seeing as tho it may fall under the category of accidental damage?

Answer 1

Some policies exclude this type of damage so you'll need to check with your insurance company or read your policy.

Answer 2

Its up to the insurance company if they want to classify the car as a total loss or not. But you can help them with this decision by getting other estimates.

Most states allow you the right to have a 3rd party do an estimation on the damage then another 3rd party will look at both damage estimates and choose an amount. Though for this amount of money it might not be worth that much effort.

I would be really surprised if they didnt just consider that car a total loss. Because the insurance company has to gurantee all repairs that they have made on the car. If there are any future issues that can be lead back to this incident, they have to pay for the fix.

Someone else made a comment on flood. There is no flood exclusion on auto policies. Flood insurance only applies to homes. This incident might be considered collision because the car was driven into the puddle of water.

Answer 3

Car insurance acts like a great friend at the time of crisis. It covers the losses made in an accident and thus saves you from paying out the huge sum from your pocket. However, there does also need to be insurance on the car itself, so the owner of the car needs to take out a policy to cover it. The extension is just there in case you need to drive the car and are not a named driver under the owner's policy. One thing to bear in mind though is that you are only getting third party only cover under this extension, regardless of the cover you have on your own car, so if you have an accident, the insurer will pay out for damage to anyone else's car or property if you are to blame, but you will have to foot the bill for damage to the car you are driving under the extension yourself.

To be honest there are lots of ways to get the best quote for a car insurance., My friend used http://official-car-insurance-quotes.com/ for getting a quote in 30 seconds. They are really fast and covers the cheaper price in the market.

Your Pal.
David
(CEO, infosystimes)

Answer 4

Collision only covers an accident involving another car. Comp is for all the other damage like your situation or like hitting a dear. Now, there are exclusions to all policy's and I'm sure yours is no exception. This incident may fall under flood damage and may not be coverd. You really need to call a claims specialist and submit the claim to begin with. The claims person will assist you from there. They will be the person to say weather or not it is coverd and if it totaled out or not. Get a second estimate for the repair too. They will go with the lesser of the 2 if they are willing to repair.

Answer 5

my brother did the same to my mom's car. It was worth $10,000, and he tried to drive thru some standing water. We were able to drive the car home, but the insurance company called it a total loss. There are too many future problems with electrical system and other things that go wrong later....that's what comprehensive ins is for!

Answer 6

This will probably be considered a comp. claim, however, I doubt the vehicle will stand the cost of repairs. One more thing -- can't you find a used engine assy for a $3,900.00 car?

Answer 7

criminal duty coverage will pay for damages you reason to one/3 events while you're in charge. It is composed in simple terms of supplies harm and criminal duty. Uninsured Motorist and Underinsured are first occasion coverages, and consequently no longer seen as area of criminal duty. complete is a coverage you could desire to purchase that covers your motor vehicle while broken with the help of a coated peril (flood, hearth, theft, vandalism, awesome an animal, falling gadgets, hail, wind, you get the photograph). that's for issues that ensue on your vehicle "different than collision". complete coverage, interior the mainstream, does no longer conceal different 0.33 occasion damages. maximum regulations define it as harm on your coated vehicle.