Auto Insurance Claims: Car Engine water damage, brand new cadillac, flood vehicles

Question
My son drove his car on a snowy/rainy day.The state roadway was flooded and his car went through a puddle.The car stalled and the state police had it towed to a lot 2 towns away.I went to have it picked up by AAA and brought home, The tow truck driver told him not to start it.It has water in engine.Does car insurance coer this? Other cars were being towed from same spot the same day.
Thankyou for your time

Answer
Hi Alan,

We did repair on flood vehicles for insurance companies. In the situation you are referring to, yes, the insurance company would cover this event under comprehensive coverage.

Although it is not very smart to drive a car through flooded roadways, the insurance companies don't have a stupidity clause in their policies normally and commonly have to cover events like this.

In your case, because you are concerned about coverage, you may state like you did here, to minimize the damage is that the car was driven through a puddle. A puddle is not going to cause internal engine damage. Now, it is true you may feel like your son was stupid to drive on a flooded road--so what!

All you need to do is state the truth. The vehicle was driven through water on a flooded road--cut and dry!

Check your policy as it relates to your comprehensive coverage. Unless it positively states in the language "Vehicle is not covered if driven on a flooded road" they have to pay.

I am not calling your son stupid. I am just saying, they do not normally have a stupidity clause.

An example: I had to determine the origin and cause of a fire on a brand new Cadillac Escalade. Interestingly enough, the vehicle was parked on the 4th of july at an unauthorized fireworks display. The moon roof was left open on the Cadillac. Fireworks fell into the seats causing the fire. Yes, this was covered.

Good luck,

Rob