I'm left without my Granadier

Tom D said:

I have seen pictures of the flood. It looked terrible.
Have you seen your car? Is it destroyed or just been under water?

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Hello Tom, the dealership is not accessible, it is a totally devastated area. After 4 days the workshop manager managed to get there with the help of the UME (Military Emergency Unit) and they only let him take a quick look. He told me that he could not get to my car because there were about a hundred cars piled up in front of it. The car was at the back of the garage and did not look moved or damaged, but there was still more than a metre of water and the water level in the street had reached more than four metres high on Tuesday night. As it was dark, the whole area is without electricity/gas/telephone/communications. He does not know how high the water reached inside the garage, but he did tell me that the door of the dealership had burst, so we have to think that the same level of the street must have entered, and that until they manage to access the area they should remove the hundreds of cars that are in the streets and then take out the more than a hundred cars that are in the workshop (90% new pending delivery, there are Ferraris, Masseratis, Lamborghinis, Bentleys, Aston Martins, Ineos, etc.) will not be able to access the car and see what condition it is in. But you don't have to be very clever to imagine the situation. Regards

Well friends, little by little the unknowns are being cleared up and what I already suspected is confirmed, the car was submerged for several days until the spare wheel was covered, as I had been told it was on the lift but on the ground, if it had been up there nothing would have happened to it, but apparently it had to happen and each and every one of the decisions that were taken made it possible for it to happen , now there is little else I can do but wait and see what response the Consortium/Dealer/Insurance company gives me and based on that see what to do, which at the moment is not at all clear to me.

I realize there is no "upside" to this tragedy. However I know insurance may not cover the car in this case as the companies will be in financial trouble with everything else going on. The lucky part of this is since the car was with Ineos, and not at your house, it was their responsibility to take care of it. Since they obviously failed they are forced to get you a new one.

That’s heart breaking, The wreck will be worth something though. Can you at least get that back?

WanderingSniper said:

I realize there is no "upside" to this tragedy. However I know insurance may not cover the car in this case as the companies will be in financial trouble with everything else going on. The lucky part of this is since the car was with Ineos, and not at your house, it was their responsibility to take care of it. Since they obviously failed they are forced to get you a new one.

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Unfortunately, as I have already mentioned in the thread, things don't work like that here in Spain. I wish they would. As soon as the central government declares a "Catastrophe Zone", the insurance companies and the civil liability of the affected companies, in this case the Ineos dealer, are inhibited, and it is assumed by "the Insurance Compensation/Guarantee Consortium" which is a state body dependent on the Ministry of Finance. And they and only they are the ones who assess the damages and decide. I hope that since I have had the car for less than a year, they comply with what I had contracted in my policy "Replacement at new value" but for that they first have to declare it as a total loss, and that is where it can screw me up badly if they don't. But anyway, I don't want to make my life miserable, there is no other option than to wait and see, I will update you with the information when I know something more.

Greetings
Paco Garcia