NEED ADVISE: Vehicle/Engine submerged in flood water [MERGED]

[_Qwerty_]

sabi sa toyota.. pag more than 75% ang costs.. they will give the sum insured instead..

kung brand new sasakyan at wala pang 1 year.. that's full amount.. pero kung more than 1 year old na.. depreciated amount na lang yun..

[redshift]

You can try some of the tips here.

[niky]

sabi sa toyota.. pag more than 75% ang costs.. they will give the sum insured instead..

kung brand new sasakyan at wala pang 1 year.. that's full amount.. pero kung more than 1 year old na.. depreciated amount na lang yun..

Flood damage will never reach 75% of the worth of a brand new vehicle... but if it's three to four years old, it will depend on the estimated resale value.

-

Those insurers... after Millenyo, they sensed a business opportunity... and began hawking insurance policies with "free" AOG or "cheap" AOG... now, when they're faced with people actually making claims... they're going to backpedal?

Is this CAP all over again?

[Mconvert]

I passed by Honda Manila and Honda Makati this afternoon, grabe ang daming pila, for the first time napuno yun car park nila and meron din mga flat bed truck na naka park sa labas with a muddy Accord.

Yes sir. The receptionist told me 1 SA lang ang naka-pasok today. The rest are managers and staffs helping out.

Yung CRV ko kahapon ko pa pina-tow duon. Di pa nga ako na-asikaso.

and they are not anymore accepting walk-ins. Cut off na sila.

[aejhayl17]

share ko lang:

yung kapitbahay ng pinsan ko have a brand new CRV, few weeks old lang ata, with it an "act of god" plus "act of nature" coverage insurance.

ayun, habang pataas na ang baha till lapet na lumubog makina, pinaandar niya even rev it like hell hanggang deads na ang makina, sinadya na ang pagsira sa makina para mapalitan na ng Brand new. matalinong unggoy!

that CRV ended up in a 6 foot deep flood with 4 other vehicles of the owner.


anyways, ok din ang mga bagong auto ng toyota (vios 05, Innova 07and my ZZ Altis 04). the vios and Innova were submerged till headrest height respectively. i noticed that, there was an installed alarm/sensor on the vehicles, that would open all windows,unlocked the doors and turn on the alarm sound and hazard lights. it was sensing it is being capsized by the water. it was automatic and fully functional even in under water. good job toyota for having that safety feature.

however, in my ZZ's case, it did not gone under water but it was flooded inside. carpets and seats are wet but engine is not damage and no oil-water contamination, the water did not reach the ECU(inside the dash board) and it works fine this morning,

kanina lang ako nagka lakas loob icheck lahat ng engine and electrical components ng car ko. assuming for the worst case scenario, but it's normal. engine is still in good shape. the only thing i see damaged was the remote entry and security alarm. nagamit ko na pang igib ng tubig ngayon lang at ok naman lahat regardless sa amoy ng interior which is very disgusting.

good night

[seymorebutts]

found this link in other forum

thought it would be good to share


http://www.ehow.com/how_5108885_save...ar-engine.html

[oj88]

Flood damage will never reach 75% of the worth of a brand new vehicle... but if it's three to four years old, it will depend on the estimated resale value.

-

Those insurers... after Millenyo, they sensed a business opportunity... and began hawking insurance policies with "free" AOG or "cheap" AOG... now, when they're faced with people actually making claims... they're going to backpedal?

Is this CAP all over again?

Nah, I don't think they're trying to wiggle out of their responsibilities. They just wanted to clarify that 1) Only those with AoG stipulated in their contract can claim for flood damage and 2) Not to get your hopes up and expect a new car. I guess this move spawned from the fact that a lot of owners still think that having a comprehensive insurance will give them a ticket to claim for both man-made and AoG damages.

Unless your car was washed out to sea, expect your old cars to be restored to previous or better state. The thing to do here is if you're an owner of a flooded car, you should dictate what needs to be checked and fixed. Create a checklist that you can present to the casa or whoever is accredited to fix your car. Make it as detailed as possible (ie. Say "Disassemble wheel bearings and repack with axle grease." instead of just "Check wheel bearings.")

Also, only accept genuine OEM parts if there's a need to replace anything.

[niky]

Genuine surplus, cleaned-of-all-mud OEM.

I wasn't talking about the other parts of the announcement... that's fair... but to claim that they need to adjust premiums after they realized that their successful sale of AOG actually means they'll need to pay on claims of AOG... well... they should have known better. I don't think policy holders will be happy with the increased premiums... unless their car was already flooded.

[androodge]

news from www.abs-cbnnews.com:

http://www.abs-cbnnews.com/business/...-record-claims

"
According to them, only insurance policyholders who availed of additional coverage against the so-called "acts of God" or "acts of nature" will be paid for all the damage to property wrought by the recent typhoon.
Esteban explained that usually, people neglect to avail of coverage for acts of nature since they think that the chance of being victimized by such is remote.

However, sometimes, the decision not to buy insurance for natural disasters isn't conscious at all. Esteban said many insurance agents fail to explain to their clients that normal policies do not cover these, but only accidents or theft for vehicles, or fire for homes.

"That is why it is really important that we explain it to them so they are not surprised during times like this," noted Esteban.
Esteban said typhoon or flood insurance costs P400 to P500 per year, only a drop in the bucket compared to the amount of damages one would shoulder when not covered.

This means that a P1-million car would only require a premium of P500 annually."

[benchoz]

I found this on the web. might help

Flood Damaged Vehicles Repair Checklist
Please do not construe the below checklist for flood damage to be an "approval" for repairing those vehicles by ABOL. It is our opinion that MOST flood damaged vehicles can never be returned to pre-accident condition because of hidden damage. The majority of the damage surfaces at a future date, leaving the unsuspecting owner of the vehicle, many times, with insurmountable problems.
BUT, customers and insurance companies will need estimates. This checklist will assist you in compiling those estimates.


Check Dipstick For Water

High oil levels on the dipstick and water bubbles in engine oil, or if red atf fluid turns pink, water has entered the system.

Pull Passenger's Floor and Trunk Plugs if so equipped. Wash all mud and silt out of passenger and trunk compartment.

Remove Carpets, Seats and Interior Trim Panels and dry them or replace them. (Foam types usually don't dry.) (Drying can be done by using your heated spray booth for one or two nights.)

Remove Spare Wheel jack and handle, clean it; use WD-40 on screws holding it.

Remove Door Trim Panels and check window motors; use WD-40 on them, grease regulator pivots and check door speakers!

Grease Door Hinges.

Check Battery & Terminals; clean terminals and grease them. Clean under the battery especially if its located in the trunk or under the seat.

Look For Computers, Equalizers, Alarms (lo-jack) or other "black boxes" under seats.

Check Airbag Sensors under seats and seat belt retractors, and dry them.

When re-installing seats, grease tracks and use WD-40 on seat motors and the belt retractors.

Clean Debris off Radiator, A/C condenser and Aux. Fan/Motor Assembly.

Blow Out Starter Motor with air.

Pull Plug in Differential and check for water.

Check Muffler For Water.

Re-Pack Wheel Bearings Grease suspension and steering when applicable.

Shampoo Carpets, Seats and Interior.

Re-Connect and Re-Set ABS and Main Computers. Run diagnostic on airbag computer.

Re-Set Radio Codes.

Detail Exterior and Engine Compartment.

If The Car Has Been Kept Closed For Over A Day, spray all the metal panels and upholstery with Lysol to kill the bacteria and odor.