Son pushes his new bmw into river

It’s always nice to see that people act crazy all around the world, not just in the U.S. I saw a story online from India where a young man was given a new BMW for his birthday.  I'm sure his parents were very proud and happy to give such a nice gift to their beloved son. Well, things didn't go quite as they planned. Not only did the young man not like his new gift. He was so upset that his parents dared to give him such a fine German sedan that he drove it straight down to the local river and pushed it in.  Take that mom and dad! You can find video’s online of the car floating free in the wild while people try to get a rope on it to pull it back to shore. It eventually sinks. It is later brought back up to the surface after its underwater adventure. Here's a link to the CBS website where you can watch the video.

https://www.cbsnews.com/video/22-year-old-pushes-bmw-into-a-river-because-he-wanted-a-jaguar-instead/

How does pushing your new car into a river solve this kids problem? Maybe the kid just thought that such a nice car had an underwater feature. You know like in that James Bond movie where the Lotus James was driving became a submarine.  The report did mention that the boy was upset because he actually wanted a Jaguar, that would explain the connection between the two. English car, English top secret agent. English sports car that goes underwater. See, there is a connection.
So, what happens with your auto insurance if the son you love so much pushes his new BMW into the local river? It’s a really good question. Let's look at a couple of different scenarios. If the car was accidentally driven into the river you would have a collision claim. You've seen those videos of people trying to cross a river only to be swept away. The driver would be charged with an accident. The car would get replaced minus your collision deductible.  If your car was parked and it got flooded by a river overflowing it would be a comprehensive claim. I had one customer that parked their car and after a downpour the area where it was parked captured all the water and flooded her car. In that case you would just pay your deductible and your auto insurance would pay to replace the car. If your car was parked on a dock and the dock collapsed like in another classic move “Risky Business” that would also most likely be a comprehensive claim. But, if you were to intentionally push your car into a river you would probably be denied coverage from your auto insurance carrier. That means you would be on your own to pay the costs to fish the car out of the river. You’d have to pay someone to fix the car if that’s possible. Or just sell it off in it’s current state. Intentional acts are not usually covered under your auto insurance policy. That means you can't just set your car on fire, push it over a cliff or kick it into a river and expect to get a payment from your auto insurance carrier.
So, if you are planning on giving your kiddo a new car for his birthday give me a call to get them some insurance. Hopefully your gift will be better received than this one was. 951-395-0754