Flood damage to the car of Waimauku resident Paige Rust is not covered by state policy for third parties, fire and theft.
Paige Rust, a resident of Waimauku, woke up to find her car half-submerged in flood water, one of the many victims of abnormal flooding in the Auckland area.
But the insurer State Insurance said the third party fire and theft policy it sold to cover Rust’s 2006 Nissan Wingroad only covered damage caused by natural disasters and that flooding did not count as a disaster. natural.
Rust, 18, said it was “very disappointing. It looks like a natural disaster because it was nature that caused it.”
âI don’t know how it’s not a natural disaster. How would it be defined otherwise? Everyone I have spoken to, family, friends consider this to be a natural disaster, âshe said.
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The Auckland region was hit by heavy rain overnight Monday, leaving many people with no choice but to break the lockdown to flee to safety.
The Rust family, who live by the Kaipara River, woke up to find their driveway submerged.
Chris McKeen / Stuff
A number of properties in KumeÅ« in Auckland are underwater after a storm. This video has no sound.
Rust’s father, Glenn Rust, said he was angered by the wording of state policy.
âWhen we called the insurance company, they said their third party, fire and theft, covered them for natural disasters,â he said.
“But they tell us that a flood is not a natural disaster.”
âI just think it’s wrong. Here is a kid who did the right thing and insured his low value car, and they say it’s not covered. It just seems wrong, âRust said.
State policy defines a natural disaster as: “an earthquake, natural landslide, volcanic eruption, hydrothermal activity, tsunami or natural disaster fire, as defined in the Commission Act. earthquakes â.
The definition of this law includes storm or flood only in the case of storm or flood.
A state spokesperson said in a statement that the flooding was not covered by its policy on third parties, fire and theft.
The state’s comprehensive auto policy covered flood damage.
Third party, fire and theft policies are often taken by young drivers with less valuable cars to protect them in the event of an accident involving other motorists.
Other insurers like AA Insurance and Tower also exclude flood damage from liability, fire and theft policies, but the liability policies of these two insurers did not include any natural disaster coverage. .