Car Flooding + Insurance
 

So this is a question for the insurance guru's.

I was driving down at unwind road off Cheery St. on saturday after my soccer game during the downpour (which was insane).

Long story short, my car hit a big pothole or something, couldn't see what as the road was like a river. The driver side sank side ways into some sort of mud/sewage. All my team mates stopped and tried to help but none of us could step inside the ground as we would just simple sink on the side that the car was stuck. The water was almost up to our knees. I phoned the police and a tow truck company, it took about 10 minutes for them to come but by then my car had filled with disgusting black sewage water up to the steering wheel.

Both the police officer and tow truck guys said that it was a write off. They also said that it would be covered by insurance if I had full coverage. However, I didn't get any report from the police office, all he did was take my information down and told me to just report to insurance since this was an 'act of god'. I know I should have done this, but I forgot to get his badge number since he didn't give me any sort of paperwork or report. Will this be an issue? I also should have taken pictures with the car filled with water but my cell phone out of commission.

The car is now sitting in the pound and inside was still filled with some water and stinks like a sewage.

I called my insurance company yesterday to let them know what happened. I have to wait for a call from the adjuster tomorrow or tuesday.

I do have full coverage, I doubt they will be able to fix my car. How do I get the maximum back for my car? A similar one sells for around $4,000. It was a 1998 Crown Victoria and the car was in mint condition, not a single rust on it. Doubt that matters, but will I get anything?

Has anyone on here been through a similar situation?

UPDATE:

Spoke with the insurance company.

They told me the car is a write off without even going to the pound to inspect the car? Nor has a mechanic even taken a look at the car yet? They assume the engine sucked in water. How can they tell if the mechanic hasn't even inspected the car? If I could get it fixed I would love to, but im sure the whole interior carpets, seats, electrical need to be replaced.

The tow truck company is trying to milk the situation with a bill of $1,500! (For initial car, towing, using wheels, using a wench to pull the car 60ft out, km's etc etc etc)

I need to find the police office that arrived at the scene since I didn't get his badge number, there was just too much going on at the time my head was a mess.

I assume they would have a record of my call since I called 911 and that's how the call got out to the police. I'm going to try every division near by, but its going to be hard without a report. All he did was take all my information down and my drivers license number.

Insurance says that they don't want to pay such a ridicolous amount to the Tow Company. I don't blame them but the Police Office told me it would be all covered and didn't write a report because he considered this an 'Act of God' Insurance company says this is a 'single car accident'

The police officer's car was the black models, traffic police? Not sure if that will help in my search.

The insurance company says they believe everything I say but would like to speak to the police officer in order to avoid the tow truck company from milking em.

Anymore suggestions?

insurance policies..

what are the new policy .............





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