If my car floods, does the insurance policy cover the damage?

One of the most common natural disasters in the U.S. is flooding, and every year more people are exposed to its dangers. The rainy season is approaching and with it the worries: Is my house protected? Will my car be insured against floods? Is my insurance active? Does my coverage cover the risks?

Does auto insurance cover flood damage?

The comprehensive coverage of your auto policy can pay for the repair or replacement of your vehicle, in case your car is damaged or even destroyed due to a flood.

Comprehensive coverage is indicated to protect your car and your pocket in natural events that can cause serious damage. If a tree or any object falls on the vehicle during a storm or if the hail is so large that it leaves marks all over the body, this is the coverage that can save you!

Keep in mind that it is not coverage that you can add to your policy at the last minute. That is to say, there is no point in leaving it until there is a storm forecast or a hurricane warning; Insurance companies have a mechanism to stop this type of actions.

Does car insurance cover damage caused by crossing a large puddle or flooded streets?

The answer is yes. However, keep in mind that this is a dangerous action for the car’s occupants, and that it can also damage your vehicle to varying degrees.

There are many things that can happen to a submerged or partially submerged car in floods, including mold inside, dents from a submerged object, scratches on the body, and rust.

There are unforeseen situations that cause the car to flood, such as being parked in a parking lot that floods, so, regardless of the reason, comprehensive coverage usually covers the repair of these damages.

Does my car insurance cover water damage to the engine?

If your car is flooded, the damage can be even more serious. Damage to the electrical system, transmission and engine may be irreversible. If the engine is submerged, the car will most likely be declared a total loss.

Once again, your auto insurance policy, with comprehensive coverage, can pay for the repair or replacement of your vehicle.

You should keep in mind that electronic items installed in your car are not usually covered in these cases, such as:

• Music players
• Speakers
• Scanners
• Radio communication systems
• Screens (screen player)
• video game systems
• Computers
• GPS

Among other electronic components that were not originally installed by the car manufacturer.

Can Flood Insurance cover flood damage to my car?

No. Damage to motor vehicles is excluded from home insurance policies, including Flood Insurance. This insurance is designed to protect your home and non-motorized belongings.