Dealer thought buddy had def in his fuel, farm bureau was going to cover it.

Dealer told him to call and ask.

In the process of proving it to FB, dealer found it was something simple. But he had Chrystals in his fuel line.


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For clarification, this was def in the tank issue


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anyone else?

 

I don't really know of any that cover it... The key is proving where the fuel came from, then getting your insurance company to go after the fuel station that sold you bad fuel. They aren't going to cover the engine damage without the money coming from somewhere. They will go to bat for you if you can prove it wasn't your fault, the fuel you purchased was bad, and you maintained your truck properly.


Most people have a hard time proving they purchased fuel from somewhere, and/or proving the fuel they purchased from a station was bad/contaminated. Its all about the paper trail...

 

From a previous water in fuel thread.

State Farm absolutely will cover contaminated fuel if you have COMPREHENSIVE on your policy.

I specifically ask every year:
What if some one puts gas in the tank? Covered

What if someone puts DEF in the fuel tank?
Covered

What if I get contaminated fuel with water or gasoline in it from the station?
Covered

What if I'm launching the boat, forget to put it in park, slip on the ramp, get knocked unconscious, and the truck rolls into the lake?
SIGH.... basically if you pay the $100 deductible and its damaged from a rock, fire, flood, tree, bird strike, meteorite, or pretty much anything beyond your control it's covered.

If your pump just plain wears out and sends shrapnel into your injectors, that would be on you, or your warranty.

According to my agent, Allstate doesn't cover water in fuel.

It's my understanding that @pdsw60 is having his fuel system replaced by Nationwide. Maybe he will clarify. @ShiversTruck almost had his covered by Safeco, but they pulled a sample from the tank instead of the separator and said there wasn't anything wrong with the fuel. Maybe they will stop in and correct anything I got wrong. The Nationwide covers/doesn't cover is a concern I had. I hope that we don't get any variation from agent to agent.

 

My beautiful bride is an insurance agent representing some 20+ carriers. She isn't licensed for claims (so be cautious who you ask and get an answer from for that could be an error and omissions on them!) and laughed when I asked her if any of her carriers offer this as a rider or clearly spell it out in their policies. I'm guessing that if any carrier is going to openly state that they will cover water in fuel and the related repairs, all of us will be changing our policies to them and they'll rue the day they said so.

 

I have never ever heard of an auto insurance covering mechanical defects or issues with a vehicle. That's not what they're there for. That would be a part/manufacture warranty. Auto insurance is for accidents relating to driving insured vehicles not mechanical issues with the vehicle in case that caused or was heavily influenced by etc. I know some local agents that im going to call just in case.

I moved back to Idaho from CA and had to switch from AAA to Safeco.

 

I know some local agents that im going to call just in case.

Just keep in mind that in some states you have to be licensed in claims to talk about claims. Here in NC for example, my wife is an agent licensed to sell but not licensed in claims. If she is asked if something is covered and a claim occurs and it's denied, she is the one on the hook for it. It's why she has to have Errors and Omissions insurance cause a slip like that can be tens and tens and tens of thousands of dollars.

You are spot on @JustinOOO9 regarding the purpose of insurance. I love my wife's stories of people who buy a house, buy property insurance and when the HVAC or washer/drier goes out, they call to file a claim with her. Property insurance is not home warranty insurance. Always get a chuckle out of those stories.

 

Most insurance companies will cover water in fuel: It will be covered under your comprehensive coverage, and you may be able to hold the gas station liable for damages so the deductible could be reimbursed to you. When filing this type of claim, it’s important to keep careful notes of when and where you bought the gas in question (Fuelly Geo Tracks where you bought gas). You should also have the vehicle thoroughly inspected, but do not authorize repairs or order any parts until the insurance company authorizes the repair. You may be found negligent if you continue to drive a vehicle with bad gas. This negligence will reduce your ability to benefit from the claim; the insurance company will deny the claim if they feel that you contributed to the damage. If you notice any irregularity or strangeness in the way that your car drives after refueling, be sure to take it to the shop immediately to prevent further damage.

 

I am currently insured with Cincinnati Insurance so after reading the previous thread I called my agent, and after a couple of days she sent me this reply from their underwriter:

Good Morning David,

There is first party coverage for putting the wrong gas (fuel) into the vehicle, it would be handled under comprehensive coverage.

For the defective gas, they indicated that would have to be a claim filed against the gas station supplying the gas as it would be their liability.

Hopefully this helps!

 

Just say some kids vandalized your fuel then they have to cover it. :cowboy:

 

I have USAA as well, I'm going to look into this for sure. I have a friend who I bought my truck from who also has a shop and does mainly Diesel repairs all brands and he tells me he does fuel system insurance jobs quite a bit.. He has a Duramax in there right now that the insurance company is paying him $ 13K+ to replace the whole system.. I would have never thought this was possible like most guy's here.... I guess it's more common that you think....

Dan

 

Dan,

I with USAA and had DEF put into my fueld system. USAA has now denied my claim because it was not considered vandalism. Very frustrating.

 

Nationwide covered it, under comprehensive coverage. Owner of the diesel shop told me to contact my insurance company.

 

i just got off the phone with them and nationwide said no.

i was hoping to get a list of them correlated for ease but it looks like its hit or miss on it getting covered.

 

All I can say is they(Nationwide) wrote a check for $9700 and some change, for the repairs and my out of pocket expenses.

 

State Farm will not cover

State Farm may tell you they will cover but we just had this happen to our 2017 F250 and State Farm will NOT pay. Them and Ford just keep placing the blame on each other and no one is paying so finally the $8,000 had to come out of my pocket since my truck has been at the repair shop for a month. I will be changing insurance because I have been with them for 20 years and I should not be paying to fix a 1 year old truck.

 

good to know and welcome.

 

Farm bureau paid for mine with 197,000 on the clock, it was long overdue on a 6.4 In fact I had canceled my insurance, turned in my plate and filed a claim 30 days later when I found out that it’s covered. I didn’t have any receipts on which gas station or any proof whatsoever, an investigator came out and drained a small sample from the lift pump, I got a call a month later from the investigator once it was approved. Then they paid what ford wanted, picked up my 10,750 check minus a betterment fee, and the truck from Ford (check was mailed to ford shop) and never looked back. Ha ha The ford man was pissed.

 

Safeco/Libertuy Mutual will not pay for water in fuel, Ford blaming water, LM blaming Ford. 2018 F250 6.7L 29,00 miles. LM took fuel samples and it all came back clean. Truck never ran bad, idled funny ran perfect, no water in fuel light( insurance said no water events in data) and then one night boom....reduced power mode. Need a new fuel system!!! If Ford is going to build a diesel truck that is so sensitive they need to build the fuel system with material that is resistant to water....Duh!!!! Left in the middle with a $75,000 POS.

 

Sorry to hear that.

 

Does anybody know if Hartford covers this issue?

 

anyone else?

National general didn’t cover me.

 

I'll just leave this here:

Sep 11, 2023 — National General specializes in non-standard auto insurance for high-risk drivers.