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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. In some cases, auto insurance companies will total the car. Even with minor flooding, cars can suffer long-term side effects. This is part of why many insurers are hesitant to cover flood damage or cover cars that previously went through a flood. It's hard to know what mechanical and other issues are related to current conditions and what's related to the initial flooding.

What Kind of Auto Insurance Policies Don’t Cover Flooding?

If you have basic car insurance coverage, such as liability or even collision, you usually won’t pay as high a premium. 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.

Liability insurance is only designed to cover the other party’s damages if you cause a collision with another car, house, etc. It does not cover any of your damages. While it’s often cheap, having more coverage could save you thousands after even a single auto accident.

If you have collision coverages, as the name implies, it’s meant to cover collisions. This could be with another car, a tractor, a motorcycle, etc. If it’s an animal, storm, etc., collision insurance would not cover the damage.

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How Can Comprehensive Car Insurance 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.

While comprehensive insurance can be expensive, collision insurance is generally the biggest contributor to your premium. Even if you’re not currently driving your car, you could still make a comprehensive claim in the event of flooding, falling trees, etc. Coverage rates will rise whenever you make a claim just as it would for collision if you were in an accident. Especially with something like flooding, having this protection  could save you thousands.

If you are concerned about flooding in your area or have questions regarding basic and comprehensive coverage, call an insurance agent today to help you choose between plans and find the one that is best for you. You can compare options to find the right insurance policy for your needs before you ever have to worry about flood insurance policies or any claims.

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