My car's insurance

by Yannick » Mon Apr 29, 2013 10:32 pm

I have two cars, one benz and one BMW .we initially had insurance on both but in march we stop the insurance on the BMW because my borther went to Italy and the car was just parked. Last week somebody hit my benz so i had to bring it to the shop to get fix. So saturday i went and purchase an insurance policy for my BMW to be able to drive it without problem and i did not want to take the risk to get a ticket. when i went out the same day, an heavy rain came (in Houston TX) and my car got stock on the road in the water among a lot of other cars. I had to leave my car there and wait until 6am on sunday morning to get it towed to a mechanic . this morning when i went to see what was the diagnostic of the car the mechanic told me that the engine was damage and he had to be change. My question is would the insurance pay for it?

Total Comments: 9

Posted: Tue Apr 30, 2013 12:47 am Post Subject:

My question is would the insurance pay for it?

Only if you have comprehensive coverage. I'm betting you only obtained liability coverage.

Posted: Tue Apr 30, 2013 02:16 am Post Subject:

Lol how much you bet? You bet wrong I always get full coverage on my cars cause they are high values. My worries are that the insurance don't give me hard time because It just happen the day I got the Insurance policy. I have the towing ticket and there is the time and location on it.

Posted: Tue Apr 30, 2013 04:12 am Post Subject:

You may have comprehensive but there is no such coverage as "full coverage".

Posted: Tue Apr 30, 2013 05:18 am Post Subject:

There is a coverage call full coverage and that is when you car is cover for anything. and Comprehensive is include in full coverage.

Posted: Tue Apr 30, 2013 10:23 am Post Subject:

No full coverage as such is available. You'd do better with a comprehensive coverage.

Posted: Tue Apr 30, 2013 12:48 pm Post Subject:

There is a coverage call full coverage and that is when you car is cover for anything.


Sorry, but you won't find "full coverage" listed in your insurance policy. _You_ may think "full coverage" is everything but this does not matter as it's _not_ a coverage. "Full Coverage" is usually what people claim they obtained when they find out they don't have the coverage needed for their loss. As I said, you will have coverage is you obtained Comprehensive coverage. You only need to look at your policy to determine if you have this.

You bet wrong I always get full coverage on my cars cause they are high values.

.we initially had insurance on both but in march we stop the insurance on the BMW because my borther went to Italy and the car was just parked


You don't always have "full coverage" then. If the vehicle is not being driven can it not be stolen or damaged? Also, if the vehicle still had tags on it, it's required to also have insurance. But that really is not the point of your post.

Posted: Tue Apr 30, 2013 04:30 pm Post Subject:

Its not listed but thats commonly how you call when your car is cover for anything. And as I said comprehensive is include in it. When i said that i always get "full coverage" , I meant anytime that i buy an insurance policy for a car I always get the one that protect you for anything. Also the car stayed couple of weeks without coverage parked and close in the garage because the policy expired and i did not renew it.

Posted: Wed May 15, 2013 01:26 pm Post Subject:

Get a comprehensive coverage instead of "full coverage."

Posted: Thu May 16, 2013 03:58 pm Post Subject:

There is a coverage call full coverage

and

Its not listed but thats commonly how you call when your car is cover for anything.

Sorry, but you're still wrong. As others have tried to tell you.

You may think you have "full coverage", but you don't have unlimited coverage. You have liability limits of coverage for the damage you do to others and their property, and you have ACV limits of coverage for the damage you do to your own property. Claims which exceed the coverage limits are not paid in full.

And the fact that there are exclusions in every auto policy is further testimony to the fallacy of "full coverage" in auto insurance. Even GAP coverage can leave gaps in coverage, such as when a vehicle sits uninsured for a few days.

Lots of folks drive around town under the misconception that they have "full coverage" only to find out they are inadequately covered at the time of a loss because their full coverage includes only minimum liability limts.

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