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Is this covered under comprehensive insurance coverage?

Discussion in 'Other Off Topic Forum' started by masterflex164, Feb 28, 2008.

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  1. masterflex164

    masterflex164 Formula Junior

    Oct 17, 2004
    630
    New England
    #1 masterflex164, Feb 28, 2008
    Just last week, I was asking if comprehensive insurance was to cover some repairs on his car, but he coughed up the money, and fixed it himself.
    continuing his horrible luck,

    We've been having snow for the last few days here in Maine, and my cousin, by accident, left the driver's side front and driver's back window in his 03 Saab 9-3 open. It snowed about 6 inches on Wednesday, and basically there's snow in his car. So the carpet it soaked, his audio system doesn't work, but the water on the seats has been cleaned. (It's snowing again now, but the windows are closed :)

    I looked under the driver's seat at the audio amplifier, and it's already rusting! because the carpet is wet. I think it is short circuiting. That part itself is over a thousand to replace, then there's labor for that. (Saab's aren't cheap to maintain. cheap to buy though)

    If he was to pay his deductible ($250) for comprehensive coverage, and report it to the insurance company, would he be covered?
    Would his premiums go up?
     
  2. gblogger

    gblogger Formula 3

    May 2, 2004
    1,612
    N.E. Florida
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    Gee Blogger
    #2 gblogger, Feb 28, 2008
    Why don't you have him call the insurance company and ask them.
     
  3. sparta49

    sparta49 F1 Veteran
    Owner

    Mar 3, 2001
    7,804
    LA
    Full Name:
    Frank
    #3 sparta49, Feb 28, 2008
    Probably cheaper to put in a aftermarket stereo system.
     
  4. Dave328

    Dave328 Formula 3

    Nov 24, 2002
    2,133
    Katy
    Full Name:
    Dave
    #4 Dave328, Feb 28, 2008
    Not sure about his policy specifically, but most comp policy's only cover factory installed items.
     
  5. 285ferrari

    285ferrari Two Time F1 World Champ
    Sponsor

    Sep 11, 2004
    20,961
    MD and NE
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    Robbie
    #5 285ferrari, Feb 29, 2008
    Contact FarmerDave on here---he is in the insurance biz...
     
  6. FarmerDave

    FarmerDave F1 World Champ
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    Jul 26, 2004
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    IgnoranteWest
    #6 FarmerDave, Feb 29, 2008
    I'm calling bulls***. Quit trying to correct a badly bought car by filing insurance claims.

    http://www.ferrarichat.com/forum/showthread.php?t=186705

    In that thread you mentioned that your cousin's car was a flood car. Any wonder why the audio amp doesn't work, and there's "already" rust under the seat?

    If this car has a flood title, I'm surprised he was able to get a comp. policy in the first place.



    Why on earth would you roll the driver side front and back windows down in Maine, in February? And then, how do you "forget" to roll them back up?

    Unless you didn't forget, and parked on the street so the snowplows would fill the car with snow as they drove by.
     
  7. FarmerDave

    FarmerDave F1 World Champ
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    Jul 26, 2004
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    IgnoranteWest
    #7 FarmerDave, Feb 29, 2008
    +1, if your cousin is old enough to drive, and own a car, and purchase insurance, why does he rely on his younger cousin to obtain insurance information from teh intarweb, and not call his insurance agent?

    http://en.wikipedia.org/wiki/Moral_hazard

     
  8. masterflex164

    masterflex164 Formula Junior

    Oct 17, 2004
    630
    New England
    #8 masterflex164, Feb 29, 2008
    can't. the POS Saab uses fiber-optics. No audio specialist here will touch it.
     
  9. masterflex164

    masterflex164 Formula Junior

    Oct 17, 2004
    630
    New England
    #9 masterflex164, Feb 29, 2008
    It's a salvage title. I'm wondering the same thing. Maybe his company didn't look at the car's history?
     

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