Ask An Insurance Pro - Question and Answers

Answers to your Insurance Questions - Ask Your Question

Auto Insurance Question from Middleburg, Florida

Asked on 7/31/2019.   This question has received 16 views.
I was parked on a beach parking lot. High tide came in while I was fishing and flooded my car. Is this safe claim or considered negligent.   Parked at this place over 100!times never flooded. Not official parking lot but everyone parks there. There are no posted flood warnings. State is florida

Answer given on August 4, 2019


Auto insurance covers you for incidents that are caused by you, even if "negligent" or not properly done.  If you have comprehensive coverage on your car, the water damage will be covered, less your deductible. If the engine and/or interior of your car were badly damaged by the water, your car could be considered a total loss, especially if the water was salt water. In that event, you will be paid the "actual cash value" of your car, as determined by local prices for a similar car or the Blue Book or similar reference book on car values.  This may not be what you think your car is worth, but unless you can prove a higher value, that will be all you will collect for your car, again, less your deductible.  It is not recommended that you try to fix the car since the damage from the salt water can take time to appear in the damage to your engine and/or interior.



NOTE: The IMPORTANT NOTICE below is a part of this answer!

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.