Flooding in Texas in 2015
During 2015, flooding impacted several parts of Texas. Residents of East Texas residing near the Brazos River encountered hazardous roadway conditions this spring when heavy showers produced extensive runoff into the river basin. Rain also posed problems in several urban areas, including Houston and San Antonio. The tragic flooding cost lives and left thousands of people with extensive property losses. When looking for cheap car insurance in Texas click on the url: TexasQuotes.com.
One consequence of flooding which does not always attract extensive media attention but does concern auto insurance professionals involves the long term impact of water exposure on vehicles. For example, if an automobile sits in high water it may sustain damage. This situation sometimes occurs in flood zones. In the aftermath of a flood, auto insurance professionals urge used car buyers to pay close attention to the condition of vehicles offered for sale.
Laws Require Full Disclosure
In Texas, the auto insurance profession and car dealers appreciate laws requiring salvage companies to disclose flood damage when they re-sell used parts or entire vehicles that have been exposed to flooding. Full disclosure laws seek to protect buyers.
Although most salvage companies treat customers fairly, it nevertheless remains important during the aftermath of a flood to carefully inspect used vehicles on the market. Sometimes mistakes occur in the recording of car histories. Auto dealers, auto insurance professionals and their customers must remain alert to potential problems associated with flood-damaged vehicles.
For example, a news channel reported recently that the available history about a used Jeep proved inaccurate. A buyer had checked a reported history and paid $12,000 for the vehicle, and then encountered serious problems just four days later.
When she took the two year old car to a mechanic, he discovered rust beneath one of the door handles and mud caked against the undercarriage of the vehicle. He concluded the Jeep had stood in high water. The buyer was able to return the vehicle and obtain a full refund. Many auto insurance companies urge customers to seek an inspection routinely prior to purchasing any used vehicle.
Problems Associated With Flood Exposed Vehicles
Comprehensive auto insurance policies offer some protection to insured vehicle owners whose vehicles have sustained flood damage. However, especially following flooding in which large numbers of vehicles sustained damage, some authorities urge anyone considering a used car purchase to follow several precautions:
1. Test drive the vehicle before purchase;
2. Obtain a complete title history;
3. Ask if the vehicle was ever exposed to flooding;
4. Ask a qualified mechanic to conduct an inspection before purchase.
Auto insurance and automotive industry experts note that floods can damage vehicles in a variety of ways. For instance, exposure to water often causes extensive rusting. High water levels may impair a vehicle’s electrical system or create other types of damage. Auto insurance professionals stress the importance of vehicle safety.