Floods are one of the most common natural disasters in America. They can happen at any time, anywhere, and cause major destruction to homes as well as vehicles. Rising waters could lead up to mildew and mold forming inside your car, and even cause electrical problems.

It’s situations like these that stand as good reasons for making sure your car has the right amount of coverage!

Will Car Insurance Provide Coverage?

The answer to this question ultimately depends on the type of car insurance you have. If you have a standard car insurance policy, you should not expect coverage for flood damage. These policies will only provide coverage if the car owner caused an accident or injured another person or car.

However, a comprehensive policy is more suitable for providing coverage for damages that are outside of your control, such as flooding or other natural disasters.

Of course, adding on comprehensive coverage will be an extra monthly cost you will have to factor into your budget. This can be a huge determining factor in if people should purchase this coverage. While this is completely understandable, you need to also consider how much it would cost to replace a part or fix damages that could have been easily taken care of through your insurance policy, rather than you having to pay out-of-pocket.

Should I Buy Comprehensive Coverage?

If you don’t have comprehensive coverage, there really isn’t much you will be able to do if your car is damaged during a flood, or any other disaster for that matter, other than paying out-of-pocket to cover the damages.

Even with a renters insurance policy, home insurance policy, or flood insurance policy, the damages to your car won’t be covered. These policies will only cover the assets and/or personal property in your home or inside the car that was damaged. However, they will not cover the car itself. 

If you have any concerns about your car being damaged by a flood or other natural disaster, we suggest looking into a comprehensive policy.

Give Us a Call Today

At Remco Insurance Services, we care about getting you the coverage you need. If you have any questions about car insurance and what coverage you can expect, reach out to us today.