I Just Accidently Sank My 04 Jeep Grand Cherokee In A Boating Mishap. Will My State Farm Insurance Total It?

I was backing the trailer in to load the boat, and when I hoped out I realized I had accidentally went down too far on the shifter into neutral, so the door shut and I was already half way across to my boat when I realized it was going down. It was completely submerged and running. Of course it died, and the tow truck driver said it wouldn’t start so don’t even try. Had anyone had any experience with this?

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Thursday, August 6th, 2009 Boat Insurance

4 Comments to I Just Accidently Sank My 04 Jeep Grand Cherokee In A Boating Mishap. Will My State Farm Insurance Total It?

  1. If the damage is 80% of the value of the vehicle 9 times out of 10 they will junk it.

  2. hondab16 on August 6th, 2009
  3. wouldnt hurt to call your insurance co and ask. It may depend on your type of coverage

  4. baby_cak on August 7th, 2009
  5. Interesting. I’d call this a collision loss with a lake. They aren’t going to total it, unless the cost of repairs exceeds the actual cash value of the car. But depending on your state law, they might have to issue a “flood” title on it.

  6. mbrcatz on August 7th, 2009
  7. YOU ARE JUST GOING TO HAVE TO CALL AND SEE BUT I WOULD THINK THAT THEY WOULD COVER YOU.
    AS FOR THE ANSWER ABOVE ME, YOU BETTER HOPE THAT THEY TOTAL IT BECAUSE THIS VEHICLE WILL NEVER BE RIGHT AGAIN.

  8. UCANTCME on August 7th, 2009

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