If you live in an area that is prone to floods, you may wonder if your auto insurance policy can cover such incidents of flood damage. After all, a car is a significant investment, and you certainly wouldn’t want to bear the entire cost of its repair. Let’s find out if and when your auto insurance can help.
Does Your Auto Insurance Cover Flood Damage?
First, understand that auto insurance policies come in various forms and the protection offered also varies. If you own comprehensive auto insurance coverage, flood damage may be included in your coverage.
Comprehensive coverage covers non-collision damages to your vehicle, including acts of nature such as storms.
However, if your vehicle is damaged by a flood because of the owner’s negligence in failing to avoid a flooded area, the insurance company might not cover the cost of the damage.
What You Need To Know
Many auto insurance policies come with exceptions and limitations, such as water damage coverage limited to certain parts of the US, with no coverage for territories that are prone to floods.
Furthermore, if you live in a high-risk area prone to floods, chances are that the rates for comprehensive coverage will be higher.
So, if you live in such an area, you need to make sure that your insurance policy has adequate protection. Contact an insurance agent you trust to understand your coverage and ensure you have the right protection in place.
Wrapping It Up
As an automobile owner, understanding your auto insurance policy and what is covered is always critical, particularly in the case of flooding events.
All auto insurance policies differ in terms of cost and coverage, and owners must select the policy that suits them. It is also important to remember that if you live in a high-risk flooding area, it’s advisable to take time and make sure your policy offers adequate protection.
Contact an insurance agent today and be sure to stay informed and up-to-date on all the policy information to know what you are covered for and what you have to pay for out-of-pocket.
RF1 Insurance Services: Auto Insurance in Southern California
Looking for auto insurance you can rely on? At RF1 Insurance, we work with some of the world’s most trusted insurance companies, including Safeco, Guard, Stillwater, National General Premier, Aegis, and the California FAIR Plan.