Does Car Insurance Cover Flood Damage?

Floods can happen at any time, usually as a result from hurricanes, major rainstorms, or overflowing bodies of water and drainage systems. If the flooding is bad enough, you may have water damage in your car, both mechanical and cosmetic. Only certain types of car insurance cover flood damage.

The Drawback of Basic Coverage

If you have basic car insurance coverage, such as liability or collision, you usually won’t pay a premium as high as other types of insurance, such as comprehensive. However, with these two types of basic insurance, your provider only covers damage caused by an accident with a car or other object, such as a falling tree branch or debris. If a flood occurs and the water damages your car, basic insurance cannot help you file a claim, and you have to pay out of pocket to cover the repairs.

Only certain types of car insurance cover flood damage.

How Comprehensive Coverage Can Help

Does car insurance cover flood damage when you have comprehensive coverage? Yes, comprehensive coverage is the only type of policy that covers acts of nature, which include floods. Comprehensive insurance is important if you live somewhere that floods often. This could be because hurricanes regularly hit your area or you live by bodies of water that rise in major rainstorms. A water-logged car could be more common in these areas, so paying more for the additional coverage could be worth it if you ever have to file a claim.

If you are concerned about flooding in your area or have questions regarding basic and comprehensive coverage, call us today to help you choose between plans and find the one that is best for you.

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