Home » I wrote off the automotive in a flood, so will insurance coverage cowl the price of that?

I wrote off the automotive in a flood, so will insurance coverage cowl the price of that?

Q I misjudged a flood on the highway when driving residence at nighttime from work the opposite day. The flood was a lot deeper than I anticipated, and my automotive obtained caught within the water. There was main harm to my automotive and it might be a write-off. Will my automotive insurance coverage cowl the price of changing my automotive?

A So long as you’ve complete automotive insurance coverage, you ought to be coated for any harm to your automotive that arises after you’ve pushed by a flood, in keeping with the managing director of Insuremycars.ie Jonathan Hehir. Nevertheless, he stated whether or not or not you’re coated will very a lot depend upon the perspective taken by your insurer. Your insurer might not pay out if it believes the harm to your automotive may have been simply averted, he stated, or if it believes you haven’t taken all affordable care to guard your automotive. Some insurers will take a more durable line on this than others. You point out that your automotive might be a write-off. It’s value noting that in case your automotive is broken past restore, your insurer will often solely cowl the market worth of the automotive. That is prone to be considerably lower than the price of a brand new automotive. In some circumstances, equivalent to in case your automotive is lower than a 12 months previous and also you had been the primary proprietor, your insurer might provide to switch your automotive with a brand new one of many similar mannequin and make. You’re unlikely to be coated for flood harm to your automotive should you solely have third-party, hearth and theft cowl, or should you solely have third-party cowl. Whereas complete automotive insurance coverage is costlier than these choices, it would often be well worth the cash should you ever should make a declare, Mr Hehir stated.