Anyone who has been living without access to media probably doesn’t know about the impending rainstorms predicted for early 2016. For the rest of us, we have heard about El Niño for the past few months. The big worry for most people is how their home will stand up to any flooding, but what about vehicles?
There is flood coverage available for your home through the National Flood Insurance Program, but how can you protect yourself from flood claims for your vehicle. The answer is comprehensive insurance. Not part of the standard auto policy, which only covers various liability scenarios, comprehensive covers your vehicle.. Often packaged with collision insurance, covers a multitude of events, including Deer Accidents (one of the most common comprehensive claims), Hail Damage, Fire Damage (whether the fire was engine related or human-related), Stolen Car (after 30 days), Vandalism, Tree Falling on Your Car (often the only way your car will be covered), and Flood Damage (regardless of what caused the flood).
If your vehicle is affected by a flood, it is essential that you call the claim in immediately. Time is important with flood damage claims, especially if it was caused be a catastrophic event. Also 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. Be sure to contact the appropriate professionals to dry your vehicle.
It is always your best bet to consult with your insurance professional to make sure you have all the proper coverages before you need them.