With scenes of cars enveloped by floods in the aftermath of hurricanes and tropical storms on the public radar, the headline on this blog begs for answers.
Will insurance cover a vehicle damaged by flood water?
Auto flood damages can run the full spectrum of car trouble, from mold and rusting to engine and tire and brake failure. The right type of insurance can help with the costs associated with repair or replacement.
Comprehensive Auto Insurance
If you elected to include Comprehensive Auto coverage in your insurance package, it may cover the damages of the resulting damages. Generally an optional form of coverage unless mandated by a finance or car leasing company, Comprehensive insurance can help you if your vehicle was impacted by a disaster, like a flood.
It’s always advisable to submit any sort of insurance claim immediately following the damaging event. Of course, if you were negligent and left a door, window or sun roof open, your claim will likely be denied.
The amount of payment you may receive after suffering damages beyond your control depends on the type of deductible you chose when purchasing this form of coverage. After making a claim and paying your out-of-pocket deductible, your insurance company will help pay for the cost of repair. If your car is rendered a total loss following the damages, you will receive the actual cost value of your vehicle from your insurance company.
For more information about auto insurance in general and comprehensive in particular, speak to us at Prime Insurance.
PRIME Insurance is a three-generation family-run independent agency. We’re proud to partner with many of the leading underwriters – recognized companies like ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes. Visit us on our online insurance website or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!
Summary: When floods and other types of disasters cause damage to your car, a comprehensive auto policy can help reimburse you for damages.
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