I wrote off the car in a flood, so the insurance will cover the cost of that?

Q Driving home from work in the dark the other day, I misjudged a flood on the road. The tide was much deeper than I expected and my car got stuck in the water. My car was badly damaged and could be a total loss. Will my car insurance cover the cost of replacing my car?

A As long as you have comprehensive insurance, you should be covered for any damage to your car after driving through a flood, according to Insuremycars.ie managing director Jonathan Hehir. However, he said whether you are insured or not depends very much on the attitude of your insurer. Your insurer may not pay out if they think the damage to your car could easily have been avoided, he said, or if they think you didn’t take all reasonable care to protect your car. Some insurers will be tougher on this than others. You mention that your car could be a total loss. Note that in the event of irreparable damage, your insurer will usually only cover the car’s market value. This should be well below the cost of buying a new car. In some cases, e.g. B. If your car is less than a year old and you were the first owner, your insurer may offer to replace your car with a new one of the same model and make. You’re unlikely to be covered for flood damage to your car if you only have liability, fire and theft insurance, or if you only have liability insurance. Although comprehensive auto insurance is more expensive than these options, it’s usually worth the money if you ever need to make a claim, Mr Hehir said.

https://www.independent.ie/business/personal-finance/i-wrote-off-the-car-in-a-flood-so-will-insurance-cover-the-cost-of-that-42049525.html I wrote off the car in a flood, so the insurance will cover the cost of that?

Fry Electronics Team

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