Flood risks
Thread Starter
Driver
Joined: Apr 2007
Posts: 111
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From: IL
Flood risks
hey guys won't you agree with me that all RX owners should feel good about RX's LOWER flooding risks, when compared to lowered sedans, i.e, IS, ES, GS, LX, and for all sedans like G35, BMW 3 series, for that matter? Unless you buy separate flood ins. policy....
CL Community Team
Joined: Apr 2004
Posts: 17,329
Likes: 210
From: Miami, Florida
I don't know about this. My insurance company jacked up my rates $150 USD despite my having a perfect driving record all because I live in a flood zone here on the west coast of Florida (subject to potential hurricanes), this was something I didn't expect nor did my neighbors and it didn't matter what kind of car I had as my neighbors also got dinged similarly for this.
Last edited by Lexmex; Aug 11, 2008 at 06:59 AM.
CL Community Team
Joined: Apr 2004
Posts: 17,329
Likes: 210
From: Miami, Florida
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Out of Warranty
Joined: Aug 2001
Posts: 14,925
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From: Houston, Republic of Texas
Anyone can be a victim of rising water, and it is well that we have insurance to cover these losses. However, there are those who purposefully drive into high water just for the thrills.
If you have lived in an area where street flooding is common, and that's a lot of us, you have seen the bozos racing through flooded streets throwing up showers of spray. Of course there is the other fool so intent on following the bumper in front of him while driving through high water, that he is soon well over his bumpers and totally amazed when the engine stalls.
How do insurance companies deal with these morons? Most mechanics will tell you that if water rises above your floorboards (since many engine control computers are either mounted on the fenderwells, on the firewall, or under the driver's seat) your car is on its way to the crusher. Saturating the electronics in floodwater will eventually doom the vehicle.
Are we (the rest of the insured community) buying new cars for these people? I would hope not. There is no real reason to drive through high water - ever. Those who do probably need to be walking anyway.
If you have lived in an area where street flooding is common, and that's a lot of us, you have seen the bozos racing through flooded streets throwing up showers of spray. Of course there is the other fool so intent on following the bumper in front of him while driving through high water, that he is soon well over his bumpers and totally amazed when the engine stalls.
How do insurance companies deal with these morons? Most mechanics will tell you that if water rises above your floorboards (since many engine control computers are either mounted on the fenderwells, on the firewall, or under the driver's seat) your car is on its way to the crusher. Saturating the electronics in floodwater will eventually doom the vehicle.
Are we (the rest of the insured community) buying new cars for these people? I would hope not. There is no real reason to drive through high water - ever. Those who do probably need to be walking anyway.
Last edited by Lil4X; Aug 12, 2008 at 07:53 AM.
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