Home / Car Insurance Guide / Buy Car Insurance Online | Flood-damaged Vehicles Could Be On A Used Car Lot Near You
PORTLAND ? Floods have ravaged considerable sections of the republic this year, inclusive floods from the Mississippi River in the Midwest and South, the Missouri River in North Dakota and Iowa and Hurricane Irene along the East Coast. Although the places are far from the Pacific Northwest, flood-damaged vehicles from the areas that should go to the junkyard can finish up on local car lots to be sole by unknowingly car dealers to gullible buyers.
According to the National Insurance Crimes Bureau (NICB), a ?flood vehicle? is tangible as a van that has been entirely or to some extent submerged in H2O to the extent that its body and automatic part tools have been damaged.
Unscrupulous people purchase the vehicles, washed them up to conseal the inundate damage then liner them to states indifferent by flooding to be sole as used cars. They moreover do not divulge the damage on the pretension document, that is a crime called ?title washing.?
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Vehicles sole with pre-existing damage are not covered beneath a typical Auto Insurance policy. If you purchase a used van and after that learn it was shop-worn from being submerged in inundate waters, your Auto Insurance will not casing the cost of indispensable repairs.
?You have to deposit some time to find a arguable used car,? mentioned Karl Newman, boss of NW Insurance Council. ?Checking VIN figures is a great start, but, when there is wide-spread flooding, you have to take additional precautions to prevent getting stranded with a car that falls detached around you.?
If you are formulation to purchase a used vehicle, it?s critical to know how to look for inundate damage. NW Insurance Council and the Insurance Information Institute (I.I.I.) offer the subsequent to suggestions on how to mark a inundate car:
? Choose a creditable car dealer. Check with the Better Business Bureau or Chamber of Commerce to find a few in your area.
? Look for mildew, waste and sediment in places where it wouldn?t routinely be found, such as beneath the carpeting in the trunk, or around the engine compartment.
? Check for decay on screws and other steel parts.
? Look for H2O stains or faded upholstery together with blemish of chair belts and doorway panels.
? Inspect the van for moistness in the building and carpeting and moisture on the inside of the instrument panel.
? Check for a moldy fragrance or an heated scent of Lysol or deodorizer being used to casing up an fragrance problem.
For more data about how to mark a inundate car, revisit the NICB Web site for more tips. Also, the National Motor Vehicle Title Information System offers an online apparatus for consumers to access critical van story information.
For more data about insurance, meeting NW Insurance Council at (800) 664-4942 or revisit www.nwinsurance.org .
NW Insurance Council is a nonprofit, public-education group saved by associate insurance companies portion Idaho, Washington and Oregon.
This is part of the September 22, 2011 online book of The Island Park News.
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