Car Insurance And Flood Damage
You might not think of water as a risk to your car. But left unchecked, water can cause all kinds of damage to your vehicle’s engine or interior. In case that your car is damaged by water, you should check if your comprehensive coverage says anything about it. In most cases, you will be able to make a claim and be reimbursed. Find out more and get a free online auto insurance quote from our website.
Comprehensive coverage is the only type of policy that covers acts of nature, which include floods. Comprehensive insurance is important if you live somewhere where floods are 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.
However, if a hurricane is on the way, insurance companies restrict the purchase of comprehensive for the areas in the hurricane’s path. So, don’t wait until the hurricane is announced to purchase comprehensive coverage for your vehicle. The restriction prevents fraudulent claims for people who want to pay for the coverage for just a few days versus always carrying the coverage.
Time is of the essence in regards to a flood damage claim. Contact your insurance company’s claim service as soon as possible if your insurance agent’s office is not available. Especially in a catastrophic claim situation, you want to be first in line to get your claim processed.
Get the vehicle dried out as soon as possible. The sooner your vehicle gets dried out the better your chances of avoiding a total loss situation. Do not try to dry your vehicle on your own. Be sure to contact the appropriate professionals.
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