Does Insurance Cover Flooded Car
Comprehensive coverage may cover water damage caused by flooding, heavy rains, hail, and even tree branches blown down during a storm. While comprehensive coverage is optional, it is usually required by your lender if you finance or lease your vehicle. It is the only coverage on your auto policy that can protect your vehicle from weather-related issues.
Does Car Insurance Cover Flood Damage?
Suppose your vehicle is damaged or destroyed as a result of flash floods. In that case, Your car may be repaired or replaced under the comprehensive coverage of your insurance policy, less your deductible. Flooding, heavy rains, and hailstorms are all water damage that can be covered by comprehensive insurance.
In addition to water damage, comprehensive insurance covers other types of storm damage. If a falling branch damages your windshield or windows during a storm, or if hail causes dozens of dents in your vehicle, comprehensive coverage may cover the cost of repairs. You will be responsible for the cost of repairing your vehicle if you do not have comprehensive coverage.
It should be noted that when a major storm is on the way, insurance companies frequently impose “binding restrictions.” This means that insurers are restricted from making policy changes and writing new ones. Therefore, it’s possible you won’t have time to add hurricane coverage to your policy before the storm hits.
Is Driving Through A Large Puddle Or Flooded Streets Covered By Car Insurance?
Flooded streets can cause various vehicle damage, from cosmetic issues like rust and fog lights to mold on the interior. If your vehicle is damaged while driving through a flooded street or large puddle, comprehensive coverage may cover the repairs, less your deductible. Even if you park your car on a flooded street, the damage to it may be covered.
Is Water Damage To An Engine Covered By Car Insurance?
Flooding can harm your vehicle’s engine, electrical system, and transmission. And if your vehicle’s engine becomes submerged in floodwater, it may be declared a total loss. Your auto insurance policy’s comprehensive coverage may pay to repair or replace your vehicle, minus your deductible.
How Do I File a Flooded Vehicle Claim?
If your car is damaged in flood, you should contact your insurance company immediately. During this procedure, you may be asked to provide your provider with additional information about the event. Take photos of your car and any flood damage you notice to prepare for this.
Water damage is not always covered by comprehensive insurance. If your car was damaged because you left your window open during a rainstorm or because there was a slow leak that was never repaired, your insurer might deny your claim.
Do You Want To Learn More About Auto Insurance?
At Pelican Insurance Agency, we can help you find the right policy for your needs. We’re a local, independent agency that knows the importance of protecting your cars and possessions. We work with various providers to give you the best coverage at an affordable price. If you’re looking for auto insurance, we can help you get started with a quote or answer questions about your current policy. Please contact us today for more information!