Is Flood Damage Covered by Your Auto Insurance?

Auto insurance coverage is crucial to protect your vehicle against collisions, at-fault accidents, vandalism, theft, etc. It also reimburses for vehicle damage or loss resulting from natural disasters including floods. Nevertheless, a standard auto insurance policy does not cover flood damage. Are you wondering what coverage you need to stay covered against flood damage? Read on to find out.

When Is Flood Damage Covered by Auto Insurance?

If you have comprehensive coverage under your auto insurance policy, you will be reimbursed for the damage or destruction to your vehicle resulting from the flood. You will be compensated for the loss up to your policy’s limit, minus your deductible. Besides flooding, comprehensive coverage can cover water damage caused by heavy rains, storms, hail, etc.

While comprehensive coverage is not mandatory, your lender might require it if your car is on loan or lease. Also, comprehensive coverage is the only way to protect your car against weather-related damage. So, it is good to have this coverage to prevent paying for the losses out of pocket.

Will You Be Covered If You Drive Through Flooded Streets or a Large Puddle?

Driving through overflowed streets can cause various damages to your car from rusting on exposed screws to car breakdown and engine damage. However, comprehensive coverage can have you covered if your car is damaged or stopped because of driving through flooded streets or a large puddle or even if your car is parked on the street that turns out to be flooded.

Will My Auto Insurance Reimburse Me for the Water Damage to an Engine?

If water from flood seeps into your engine, it may cause partial or total damage to your engine’s internal parts, transmission, and electrical system. In case of worst water damage like if your engine is fully immersed in flood water, your car can be totally damaged, ending up being declared a total loss. A total loss is when your car cannot be repaired or brought back to normal condition. If your car suffers engine damage or is declared a total loss, your comprehensive coverage will reimburse for the repair or replacement costs, subtracting your deductible.

However, owner-installed electronics will not be covered against water damage, including, but not limited to:

  • GPS devices
  • Stereos, CD players, and tape decks
  • Car phones
  • Televisions
  • Two-way mobile radios and CB radios
  • Scanners
  • Video game systems
  • Computers

Should I Buy Flood Insurance to Cover My Car’s Flood Damage?

No, flood insurance is designed to protect your home and belongings. It will not cover damage to the vehicle resulting from the flood.

If your location is prone to floods or you want to stay covered against all weather-related damage, you should consider customizing your auto insurance policy with comprehensive coverage. If you have comprehensive coverage, you don’t have to worry about your vehicle damage or loss resulting from any type of water damage.

Buy Comprehensive Auto Insurance from Action Insurance

At Action Insurance Group, we are committed to providing comprehensive auto insurance coverage that helps you stay covered against all types of water damage, including floods. Contact our insurance agents today to get affordable auto insurance coverage that offers adequate protection on and off the roads.

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