Hi,

Due to heavy rains in Mumbai my new vRS was in the water - which had covered the bonnet and had also got inside the car. Although its insured, I'm trying to understand what are the implications. Some more inputs :

1. The battery could not be disconnected and as the water level rose, the indicators went on and the fuel lid also opened.

2. The water level was over the engine for over 8 hours

3. The water was muddy and hence after it receeded, there is dried mud over parts of the engine.

In the above scenario - what are the problems that this could have created and would the car be easily repairable or would it require major repair ?

Thanks !

i'm pretty sure that in most cases like this the insurance companies write the car off, i know someone that got stuck in a flood and the car was written off and from you've said he didnt get anywhere near the water your car has had on / in it.

in theory the car could be repaired, or at least i would think it should be repairable, its going to come down to the cost and whether the insurance are prepared to cover that cost.

thats not good.

I would hope that they'd write the car off, I'm sure what the high would ruin a car! Sorry!

You will be better off if the insurance do write it off. If they repair it, sell it.

Every single switch, sensor, motor, blackbox and connection will have been underwater. They may get everything working now but in time you will get problem after problem.

Lee

It should be a write off, as the main harness (electrics) has been submerged. This would have to be replaced and would not be cost effected to repair.

I'm sorry to hear your news. I too would think that the car is a write-off.

Hi' date='

Due to heavy rains in Mumbai my new vRS was in the water - which had covered the bonnet and had also got inside the car. Although its insured, I'm trying to understand what are the implications. Some more inputs :

Thanks ![/quote']

Shift to New Delhi, Mumbai sucks.

Anyway on a serious note ...sorry for all the mess u guys are going thru.

there is a hell of a lot of things to check before it can be anywhere near Ok.

U need to clean out the engine with cleaning agents( dont even think about cranking the engine unless u have it cleaned) lot of mechanical work has to be rechecked and revalidated.and god alone knows wat's happened to the electricals.

The Motor Vehicle Insurance in India normally covers loss by earthquake,typhoon, floods etc.

the problem ,as u know, would be to try and convince the insuarnce ppl to declare the car a total loss without external damages. Also the repair bill should be around 70% of the car's book value.

the best way would be to have some damage done to the car.(it'll help if u can deploy airbags....they cost a bomb to repair.) I saw a picture in TOI where a Lancer had climbed up on top of a ford escort. Follow the same line to explain any physical damage to the car ....the water pressure banged it against a tree or something. Put everything in place before u call insurance guys.

I hope u can get it declared a total loss. All the best.