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Car Insurance Cover Flood Damage ?

In the USA, flooding is one of the natural disasters that effects on different levels. However, car or vehicle damages are common things when such scenes occur. Not just that, there are other reasons such as overflowing of the river, lake, drainage, and hurricane which also leads the car damages. If you have the insurance, then you should better understand that your insurance is going to cover up the losses or not. However, most of the common insurances don’t count damages that are happened due to flood. That’s why it’s important for you to make sure that you got the solution.

What is the basics insurance doesn’t do the coverage in the water damages

Cheap car insurances or basic car insurances, mostly like collision and liability insurances cover the damages which are occurred by getting hit by some other car, object or damaged due to something else.  These types of insurances doest count the flood water damages which mean if your car is damaged or suffered because of the flood, your insurance is not going to pay for you.

So what can help then?

For such situation, insurances like comprehensive coverage can help as the insurance help in covering the damages which happened, and you can’t control it. It also includes natural disasters such as flood and water damages. Most of the areas in the USA where the flood occur, people tend to get such insurances to save the car as well as damages.  You can also get more about it on the online car insurance for getting the best options.

Here is what comprehensive insurance covering or not covering the events

However, even the comprehensive insurance covers more as compare to any other cheap car insurance, but there are a few other things you should know about this option too.

# Leakage:  when it comes to damage which is happened due to the leakage, there are few things where the insurance can help. If the water leads and damaged the car due to heavy rain and even after you did everything that you supposed to. Also due to this, the car gets damaged because the car was not closed or sealing was not working then the insurance can help in covering up damage. However, the insurance will not help if you are irresponsible as a driver and leave your car in poor condition.

# Damages occurred by hailstorms : If the damages are done due to the hailstorms and it affected the interior too then the insurance can help, also you can get an auto insurance quote to understand how much the damages will be covered.

# Flooding: Its one of the reasons where you don’t have any control of yours. The damages are not done by you or because of your carelessness; the insurance will cover up the cost and also protect the vehicle too.

# Hurricanes: However here it depends on when you sign up for the insurance. There are some people who sign up when the hurricane is on its way; well it’s not effective nor helpful as it will not cover the damage.  But if you already sign up, then the insurance can help.

How is the insurance going here in covering the flood damages?

Well, it’s important to check whether the auto insurance quote that you got is covering the flood damage especially if you are living in flood-prone areas of USA. Comprehensive insurance helps you by covering up the damages and loses which is caused due to flood like natural calamities; also it includes cyclones and hailstorms too.  Also, you get two different types here which cover the different damages such as engine damage where the engine part of your vehicle is submerged in the flood water. The insurance helps to replace the complete engine which cost huge. Another one that you get is accessories damage where you get help for overcoming the damages of upholstery and engine.

Also if you compare the online car insurance, you will get to know that comprehensive insurance only covers the events which are not controlled by the humans.  That means if there is something which does not fall under this category will not going to be covered by this insurance.

What are the add-ons?

There are a few things that you should consider as these add-ons can help and protect the vehicle extra during the flood damages. Also, most of them have no period of waiting, so it’s simple to use whenever you feel like.

# Zero depreciation: However the insurance also doesn’t cover up the whole amount as they deduct the amount of deprecation before they pay for you. For saving yourself from that, you should get a zero depreciation ad on so the insurance pay full damage instead of deducting the amount of depreciation.

# Electrical circuit cover and Engine protector:  during the flood, parking your car somewhere which is flooded or connected to the flood water can cause great damage. Mostly it affects the engine which can cost more to get replaced. Adding this one will help in saving your cost of replacing the engine and also reduce the hassle. It’s also beneficial if you are living in areas of heavy rainfall.

# Quick Roadside Assistance: if you are driving around the areas where the flood water is stored or affected can lead the flat tires or damage to the engine.  With this ad on, you can get on road repairing which includes flat tire changing, etc.

Here are the safety measures that you should know:

When you are driving around the areas which are flood affected, here are a few things you should do.If your car is stuck in water , make sure you are not using the engine as it can cause some great damages.  Instead of that disconnecting battery and tow your vehicle to the nearest workshop. Also, make sure to check the brakes once you are out from the flood areas.

About Shalutha De Zoysa

Hi, I'm Shalutha working as an insurance adviser in Los Angeles. I've several years of working experience in this filed. So I started writing blog with onlinecheapcarinsurance.com using my years of experience.

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