What Types of Car Insurance Cover Flood Damage?

Does Auto Liability Insurance Cover Flood Damage?

Auto liability insurance is required for drivers in most states. It provides coverage if you are at fault for an accident that causes third party bodily injury or property damage. However, auto liability insurance does not extend coverage to damages to your own car, including damage caused by flooding.

If you only maintain auto liability insurance, car flood damage would be an out-of-pocket expense.

Does Collision Insurance Cover Flood Damage?

Collision insurance typically covers damages resulting from accidents involving other vehicles or objects, such as a collision with another car, a tree, or a guardrail. It does not typically cover flood damage or any other non-collision-related occurrences.

Since collision insurance doesn’t cover car flood damage, any related repairs would come out of your pocket if you don’t have other coverage for flood damage to your vehicle.

Does Comprehensive Car Insurance Cover Flood Damage?

Comprehensive car insurance covers non-collision-related incidents like theft, vandalism, and natural disasters, which may include flooding. If your car is immersed in floodwater or damaged due to rising water levels, comprehensive coverage will likely come into play.

Nevertheless, confirming the specifics with your insurance provider is crucial since some policies may have exclusions or limitations based on certain conditions. Additionally, deductibles may apply, influencing the total compensation received for the repairs or replacement of your vehicle.

Car Insurance and Flood Damage: Factors to Consider

Here are some factors worth considering when it comes to flood damage and car insurance.

Your Location: Car insurance premiums can be influenced by your location, particularly if you reside in an area prone to flooding.
The Value of Your Vehicle: High-value vehicles generally lead to higher insurance premiums because the cost to repair or replace such vehicles is considerably higher.
Your Policy's Terms: Be attentive to the details outlined in your policy regarding exclusions or special terms for flood damage. This can include specifics related to the definition of flooding or limitations on claims.
Your Claims History: Frequent claims can affect future coverage and premiums.