flooded car, insurance to the rescue? - Chicagoland Sportbikes
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post #1 of 13 (permalink) Old 09-13-2008, 05:08 PM Thread Starter
eeee whas up doc?
 
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flooded car, insurance to the rescue?

Ok, so I wake up to find one of my cars full of water. I have liability insurance; does it cover flood damage?
Post up any other car stuck in water crap if you wish.

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post #2 of 13 (permalink) Old 09-13-2008, 05:11 PM
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Originally Posted by Dan.O View Post
Ok, so I wake up to find one of my cars full of water. I have liability insurance; does it cover flood damage?
Post up any other car stuck in water crap if you wish.
You need comprehensive I believe... let me check my packet....

Is the water up to the dash?

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post #3 of 13 (permalink) Old 09-13-2008, 05:14 PM
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Dan, unfortunately you're sol'd. Liability covers damages you caused to someone else. No coverage to you.
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post #4 of 13 (permalink) Old 09-13-2008, 05:20 PM Thread Starter
eeee whas up doc?
 
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I dindn't even check if it's starting, I want to leave it for a bit so the water leakes out.
The water was up to the pedals, which is not so much, I think it will start, but wanted to prepare for the worst

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post #5 of 13 (permalink) Old 09-13-2008, 06:16 PM
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liability won't cover damage done to your car, its for the damage done to others when you are driving
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post #6 of 13 (permalink) Old 09-13-2008, 06:34 PM
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What about home insurance? Will that cover your car if it was in your garage? If it was out on the street will the city do anything for it like the kinda do for potholes?
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post #7 of 13 (permalink) Old 09-13-2008, 06:53 PM
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Don't start it if h2o can get sucked into the intake.

Vacuum the h2o out, spread baking soda under the seats & carpet. Let it dry for a couple days and sell it at carmax or trade it in.

...or start pulling the carpet out. Brake cleaner on the electrical connections will help. Change the oil & trans fluid. Bleed the brakes. Letting the carpets and sound insulation dry out will help prevent mold and other smells. It could run fine for a while, or lead to probs down the road.

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post #8 of 13 (permalink) Old 09-13-2008, 07:39 PM
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Originally Posted by loudes13 View Post
Let it dry for a couple days and sell it at carmax or trade it in.

...or start pulling the carpet out. Brake cleaner on the electrical connections will help. Change the oil & trans fluid. Bleed the brakes. Letting the carpets and sound insulation dry out will help prevent mold and other smells. It could run fine for a while, or lead to probs down the road.
This is why buying used cars sucks. I'd trace all the electrical wiring and regrease it, and clean everything up. Time consuming, but it will all work as it should assuming you do it fairly soon.
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post #9 of 13 (permalink) Old 09-13-2008, 07:41 PM
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what kinda of car, hondas tent to put the ECU on the passenger foot rest adn are succeptible to water dmg

-Jason
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post #10 of 13 (permalink) Old 09-13-2008, 08:01 PM
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what kinda of car, hondas tent to put the ECU on the passenger foot rest adn are succeptible to water dmg
My Mistu has it down low by the left foot too.. Dumb ass place, IMO.

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post #11 of 13 (permalink) Old 09-13-2008, 08:02 PM
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only reason i know they are there is casue it happened to a friend

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post #12 of 13 (permalink) Old 09-13-2008, 08:20 PM
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My friends 06 honda got flooded while sitting in his parking lot last year. The ECU was fried and so were all the electronics in the seats. The water was was above the pedals but lower than the dash. He put it under his insurance. They replaced all the fried electronics and cleaned the interior. The car looks like it was never in any water. He also never started the car and neither did the company that towed it until it was at the repair shop. He hasn't had any related issues since then but now the car is ginx'd. He got hit twice and took out a deer since the flood damage and they just keep fixing the car on him.

Just let the water drain. Peel back the carpet and pull out the draing plugs in the floor if you can. That will help to get all the water out. Removing the carpet would be the best bet to let everything dry completely. Don't start the car if it's still in the water if it will even start. Good luck with it.
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post #13 of 13 (permalink) Old 09-13-2008, 08:21 PM
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That sucks man, I hope the damage isn't too bad. I was in Schaumburg today at the Panera on Golf the water was up to the running boards on my truck in the parking lot. I was honking and shouting at this old guy but he just kept going and flooded his Bonniville. I couldn't believe how much water was standing.

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