With our luck, they will say it was an act of God...
Your reply should be,"My foot going up your ass will be act of God also."
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My life...
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Your reply should be,"My foot going up your ass will be act of God also."
I'll join you here.
Mom probably tried to drive through a flooded area. I see it anytime an underpass is flooded. There is always one or two that thinks they can "make it".
It was night time and there were no street lights. By the time we saw the street was flooded, it was too late. The water came up to the windshield and then the engine cut out. About 5 mins later, a taxi cab also crashed into the water behind us. Needless to say, it too cut out and was dead in the water.
My mom and dad are going to go back to the car in about an hour to try and start it. Hopefully it was able to dry enuf over night. Then they'll call a tow truck so it can be dropped of at an auto mechanic.
I'll let you all know how it goes...
Personally when it floods, I like it... As wrong as it may sound, I take my stepdad's truck out. He always has an lifted truck with an winch... I go around charging $50-75 for a tow. Makes me a few quick bucks, in turn I fill up his truck with gas and clean it up nicely, then pocket the rest.
Maybe someday I will have a nice lifted up truck, to go along with a foreclosed house I am looking at.
Maybe someday I will have a nice lifted up truck, to go along with a foreclosed house I am looking at.
Not to beat a dead horse, so I will.
She was obviously driving beyond the reach of her headlights, given the situation.
Sorry.
True.
Focus on the positive and try to forget the negative.
Life isn't easy at times.
That's not true at all.
Was it raining? I've seen this happen a couple of times in the rain. You can't tell where the roadway meets the water. We had some nasty flooding here one night and a road that leads to the train station was flooded. I was following a guy and he plowed in first. I stopped as soon as I saw him and found I was already in about a foot of water.
As far as the insurance, its a toss up. They might tell you that only flood insurance covers that. You might want to file a complaint to the state insurance board if that happens.
If it is not too late stop them!!!
If the water was that high then the oil pan is likely flooded with water. Assuming the car does start the lack a proper lubrication from the contaminated oil will destroy the engine very quickly.
Actually, you hope the insurance co will call it an act of god because that is covered under your comprehensive insurance and is considered non-fault, doesn't count against your records or raise your rates. You still have to pay your deductible.
If the water was there and you drove into it, they could call it a collision, but that is pretty rare.
If you try to start a flooded car, you will ruin the motor because there is water in the cylinders, water doesn't compress and so a connecting rod or more will bend. That would be considered your fault.
Insurance companies will almost always total out a car if the water reached to the instrument panel. They don't want to be responsible for endless repairs and just buy out of the situation. Fight it if they want to fix it. An inexperienced adjuster might think it is fixable, but the supervisors won't.
Cars from Katrina were sold all over the country to unsuspecting people.
Suing governmental agencies? The insurance company has a zillion lawyers and they won't sue a city unless it is something obvious like a collapsing bridge.
If the water was there and you drove into it, they could call it a collision, but that is pretty rare.
If you try to start a flooded car, you will ruin the motor because there is water in the cylinders, water doesn't compress and so a connecting rod or more will bend. That would be considered your fault.
Insurance companies will almost always total out a car if the water reached to the instrument panel. They don't want to be responsible for endless repairs and just buy out of the situation. Fight it if they want to fix it. An inexperienced adjuster might think it is fixable, but the supervisors won't.
Cars from Katrina were sold all over the country to unsuspecting people.
Suing governmental agencies? The insurance company has a zillion lawyers and they won't sue a city unless it is something obvious like a collapsing bridge.
I would not worry about the car starting. Unless the car was more than twenty years old, the flooding will almost certainly have led the electronics to fry themselves.
The good news is, I see no reason flooding shouldn't be covered. Several years ago a friend's car washed right out of its parking space in a flash flood and was totaled. Insurance paid right up. For that matter, hailstorms, falling tree branches and the like are all known to be covered.
The only reason you'd have a problem is if the road was closed due to flooding, you had good reason to know the road was closed and you tried to drive it anyway.
The good news is, I see no reason flooding shouldn't be covered. Several years ago a friend's car washed right out of its parking space in a flash flood and was totaled. Insurance paid right up. For that matter, hailstorms, falling tree branches and the like are all known to be covered.
The only reason you'd have a problem is if the road was closed due to flooding, you had good reason to know the road was closed and you tried to drive it anyway.
My mom just heard back from the car dealer. They said it's totaled. Now we have to wait and see what insurance says...
Now we have to wait and see what insurance says...
My mom just heard back from the car dealer. They said it's totaled.
They will pay it. You car insurances covers that.
Flood insurances covers homes not cars.
They will cut you a check for cash value of the car and then you are off to buy a new one.
idk if they will. My mom has basic auto insurance...
My mom had a 2005 Chevy Malibu.
Most of the western chicago suburbs were flooded. We live in Wheaton. Our streets were flooded with about 8 inches of water. My mom and I were in Hinsdale, IL on our way to her second job at Whole Foods. We were a block and a half away when we crashed into the flooded street.
Yes, the headlights were on. No one saw the water cuz there were no street lights becuz it was a residential street. My mom was goin' 20 on a 30.
I tend to have the same problem in the rain and wet streets. I have trouble seeing the road because most of the light reflects off the water and does not go back to your eyes.
The water on the road and the street all look the same and by the time you see it. well it is to late.
In lubbock I ran into the same problem after some rain storms where I could not see the difference between wet roads and a 7+ in deep water. I hit some of those at a fair amount of speed.
