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?
Answers:
How can i found if there was a car accident that happen yesterday?
Some policies exclude this type of damage so you'll need to check with your insurance company or read your policy.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!
My car is registered in UK, but lives in France, Can I insure it with a UK company?
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.Lost provisional driver's license?
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?What is a good Car insurance company comparison site?
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.I was pulled over with no insurance, can you back date insurance so you dont get suspended?
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.
Who is the cheapset insurance company for first time drivers?
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.
Can I send another person to which my license plates over?
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.
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