Does Car Insurance Cover Flooding
If your car insurance has comprehensive coverage, you are covered for harm caused by water from rain, floods, and storms. If your vehicle is damaged beyond repair due to flooding, you will receive either the real cash value of your vehicle at the time of the disaster or the cost of having it repaired.
Since floods occur more frequently than many people realize, it’s important to be prepared for the aftermath of a flood if your vehicle is caught in one and to understand how insurance will work in this situation. In this blog, we’ll cover the ins and outs of how auto insurance covers flooding, how to file a claim, and what you can expect when doing so.
Does Your Car Insurance Cover Water Damage?
In the case of standalone third-party car insurance, your car insurance policy will not cover any damages because it only covers the damages sustained by an unknown third party and not your vehicle.
However, a comprehensive auto insurance policy may partially cover water ingress or flood damage. It’s because, while a standard comprehensive car insurance policy covers all types of natural disasters, including flood, inundation, storm, and water ingression, damage to the car’s engine is typically excluded. It means that while the car’s body and parts are covered, a standard car insurance policy does not cover any damage to the engine.
Does Auto Insurance Cover Rain-Related Flood Damage?
Most instances of rain damage would be covered by comprehensive coverage unless you caused the damage through carelessness or self-inflicted harm.
If you left your windows down just before a storm and the rain caused harm to your car’s interior, your insurance company likely wouldn’t pay for the repairs. Your auto insurance policy will not cover water damage sustained over time due to a lack of maintenance.
How To File An Auto Insurance Claim After A Flood?
The procedure for filing a claim for flood damage is the same as that for any other kind of car damage. If the business permits it, you can submit a claim online or by calling the claim center of your firm. But for two reasons, we advise you to complete this as quickly as possible.
The more harm the water can do to your car, the longer you wait. Second, significant floods often cause insurance companies to take longer than usual to process each claim.
The insurance companies only have a limited number of claims adjusters to look into each case, so if there’s a significant flood in your area, other drivers will probably be submitting similar claims. However, the sooner your claim is filed, the more likely it will be one of the first instances handled.
You can file a claim for the expense of repairing or replacing your car when it sustains water damage due to flooding, but only if you have comprehensive coverage. At Pelican Insurance Agency, we can help you learn how to file a claim, understand your coverage, and get back on the road as quickly as possible. Call us now!