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Does Comprehensive Auto insurance cover auto repairs?

Discussion in 'General Automotive Discussion' started by masterflex164, Feb 20, 2008.

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  1. masterflex164

    masterflex164 Formula Junior

    Oct 17, 2004
    630
    New England
    #1 masterflex164, Feb 20, 2008
    My cousin has a 2003 Saab 9-3, and has Comprehensive coverage with State Farm.

    He just found out the car, he bought, was originally in a accident (the guy never said anything, and he thought he "knew everything," so no PPI was done), and now the CEL was on. The saab dealer looks underneath the car, and everything was in a wreck. The front diffuser thing was duct taped on, and some of the wires were cut, and put together with wire ties. Some wires were zip tied on also. It was a mess, period.

    The CEL is due to an air intake pump and valve, and that itself will exceed $1,500. Then the one of the windows doesn't work, and that's a regulator, which is $400.

    I've never owned a car before (too young), and I was wondering if he could claim this, and pay the deductible to get everything fixed. I was reading a post on an Audi forum, where someone's Audi TT's electrical system was completely trashed by rats, and such, and the repair came out to over $20,000. He paid $1,000, and it was fixed. And someone left a spray paint can in his Merc, and it blew up, covering his interior in paint. $750 later, he got a new interior. Insurance paid over $17,000 for it.

    Does it cover stuff like this or is he SOL?
     
  2. switchcars

    switchcars Formula 3

    Jul 28, 2005
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    Doug
    #2 switchcars, Feb 20, 2008
    They won't cover it because there is no "claim". Both of the situations you mentioned involved something (an accident) that happened during ownership of the vehicle. This was a "pre-existing condition" and was the fault of the buyer for not inspecting the vehicle properly.

    The only recourse he possibly has is to take legal action against the seller for non-full-disclosure or misrepresentation. I have had to do that before, and won (got a settlement).
     
  3. Kds

    Kds F1 World Champ

    May 1, 2003
    10,994
    Canada and Brasil...
    #3 Kds, Feb 20, 2008
    He is SOL from insurance. They will cover rats eating your electrics....but not a previous owners undisclosed problem....or his lack of a PPI.
     
  4. gblogger

    gblogger Formula 3

    May 2, 2004
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    #4 gblogger, Feb 20, 2008
    Didn't hr at least look at it himself???? Lift the hood, trunk, etc..

    I would call the guy and ask for the money back (return the car). If he refuses, attorney. Maybe , call your local Prosecutor and see if you can get any type of fraud related charges put on him.

    Have someone run the vin, see what shows up..
     
  5. masterflex164

    masterflex164 Formula Junior

    Oct 17, 2004
    630
    New England
    #5 masterflex164, Feb 21, 2008
    nothing shows up, on the carfax reports. We asked him what was wrong, and he said it was a "flood car." Which I know now as BS. I insisted he not buy it because Saab's are junk, but yeah... he's paying for the repairs (over 1,200) out of pocket. He should've gotten a 3 series...
     
  6. wingfeather

    wingfeather F1 Rookie

    Feb 1, 2007
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    rock bottom
    #6 wingfeather, Feb 21, 2008
    What if your friend's engine mysteriously blew up - would insurance cover that?
     
  7. Pranucci

    Pranucci Formula 3
    Silver Subscribed

    Mar 17, 2005
    1,127
    Carpinteria, CA
    #7 Pranucci, Feb 22, 2008
    If he ran into something that punched a hole in the sump, possibly.
     
  8. FarmerDave

    FarmerDave F1 World Champ
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    IgnoranteWest
    #8 FarmerDave, Feb 22, 2008

    I've seen that happen before. Insurance declared the car a total loss. Granted it was a ten year old Volvo. And it was a genuine accident, my brother ran over an unpainted curb in the middle of a poorly lit parking lot.

    Don't commit insurance fraud. It's bad karma.
     
  9. gblogger

    gblogger Formula 3

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    #9 gblogger, Feb 22, 2008

    Did he tell him before or after the purchase. If you have legal standing, why keep the car, it will only get worse if it was flooded.
     
  10. wingfeather

    wingfeather F1 Rookie

    Feb 1, 2007
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    rock bottom
    #10 wingfeather, Feb 22, 2008
    +1
     

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