Hot time in Atlanta
Champion
Joined: Jun 2006
Posts: 4,822
Likes: 4
From: Indiana
I met with State Farm this morning and shared pictures of the 'event'. Not only were they sympathetic, they are also covering any damage under the comprehensive part of my policy at 100% (no deductible). It comes under fire damage. They were thankful that we kept the flames away by hitting it early with dry chemical and then FireAid liquid. The only thing that could go wrong now is if the repairs would exceed the value of the vehicle, which is around $3500 according to KBB. The dealer is starting the repair tomorrow. I can tell you this - having ample insurance coverage is very important. This is my first SF claim in over 20 years. When you need them - you need them.
With that said, fires are often something that leaves room for issue. An auto policy is not for wear and tear, it is for sudden and accidental. Agreed fire is sudden, but it could ALSO be from wear and tear, thus the 'room for issue'. If they have indicated coverage, good on ya mate!
IndyDurango
Thread Starter
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Professional
Joined: Nov 2008
Posts: 119
Likes: 0
Well, here's what happened. The main wiring haarness fried and melted from the engine down to the rear of the tranny, It got the insulation smoldering. Thankfully, the insulation is fire resistant. The harness came within 1/4" of the fuel line. The dealer is amazed it didn't go up in flames. The adjuster will look at it Monday pm and the insurance company will call me Tues. I've already discussed a 'total' payoff and am comfortable with it. Already targeting a replacement truck - much newer. Even if they go ahead and fix it I'll be trading it in on a replacement. Just to ansy about keeping it now. They have no idea what caused the failure. The harness cost is $1200, replace the PCM is $800, labor will be $1000+. See where this is going?