Quote:
Originally Posted by upallnight
Not sure if insurance would cover an electrical short caused by a clogged drain line for the sun roof. That would be like saying that insurance should cover the replacement of a car because it ran low on oil and the engine blew up. Plus you would have to carry full coverage and unless you have a loan outstanding on the car who would carry full coverage for a car that is 13 years old?
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Comprehensive covered replacement of my engine harness ($1837) after high water intrusion during a heavy rainstorm, so it's quite possible he could be compensated in that manner too. He would need to demonstrate the damage occurred under the extreme circumstances of the weather at the time.
I've found that maintaining full coverage, even on a 13 year old vehicle with 273,000 miles on it is still worthwhile as long as it is in good condition. And since mine has never seen any salt and has been "BMW maintained", I have only needed to emphasize its true replacement value with my insurance agent in the event of a claim.
2002 X5 3.0 273,500 miles
2004 325i 118,000 miles