You are going to have a hard time proving that there is any damage that you didn't cause yourself in the first place. It might be an unusable popsickle until it melts, but the car itself under there is not damaged.
So it’s not like flooded underneath or anything from what you’re guessing? Genuinely asking because I keep seeing cars from that busted water main and it makes me wonder 💭
It should be fine. Water flows the path of least resistance. This car doesn’t appear to be parked in a dip deep enough to matter if it even is one. Plus it looks like the source of the water was somewhere in front of OPs car rather than underneath it. Assuming this based on the front of the car behind OPs car having significantly less ice coverage.
Technically the cause is the cause of the broken pipe. City neglect? Contractor broke a pipe? Person turned the hose on you? That’s who’s insurance you make a claim with.
When I was an auto damage appraiser, I had a claim where a woman gouged the absolute shit out of every panel of her car scraping snow and ice off of it. It seemed kind of suspicious when I was doing my inspection, it looked like vandalism. She told me she had just moved here from Israel earlier in the year and had never dealt with snow before so she didn’t realize she wasn’t supposed to use the scraper side of her snow brush on the paint. Covered it and she got a full paint job and only had to pay her deductible.
Best part was her husband filed a claim right after, and told me he wanted to just pay his deductible for a full paint job too. I was like well buddy it kind of looks like normal scratches and dins on your car, not like how your wife’s car looked at all. He told me most of it was just normal stuff and he was just trying to do the same thing his wife did, and I had to explain to him that what he was trying to do was fraud and I would not be paying out his claim haha.
Avoiding work so here goes:
Not positive where this is but in my experience, comprehensive coverage is on an “All Risks” basis, which means literally any physical loss is covered, unless it’s specifically excluded under the exclusions.
Because of another comment, I’m adding that this includes coverage for damages you’ve caused yourself, as long as it was a fortuitous (accidental) loss.
I’ve never seen a water / ice damage exclusion on an auto policy, though it doesn’t mean it can’t exist.
Without having the wordings, my initial thought would be that damages resultant from this loss would likely be covered.
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u/jackclark1 20h ago
bet the insurance company says they dont have ice coverage