Is It Possible To Use Auto Insurance During Flood Accidents And Damages?

​Floods can be common during the rainy season. While it's not always frequent for a car to get damaged during a flood, it's still important to know if your auto insurance covers the damages it could get. If your car is damaged by flooding, you may be required to pay for repairs or get a new car. 

Fortunately, Comprehensive auto insurance covers flood damage if you have the right coverage. So it's important to get the facts about what is and isn't covered before a flood occurs.

What Is Comprehensive Auto insurance?
Comprehensive auto insurance is a type of insurance that covers your vehicle for damage to the exterior, interior, and under the hood. This type of coverage is typically purchased by drivers who are concerned about things other than collision damage. 

If you're in an accident involving another driver, you can use comprehensive coverage to pay for repairs.

How Will Comprehensive Auto Insurance Cover For Flood Damages?
Comprehensive auto insurance would cover flood damages under the physical damage coverage. If water damages the vehicle, comprehensive may also cover for water damage to the interior of your car. 

Comprehensive auto insurance will not cover damages if you drive your car into a pool of water. Still, it will cover damages if a wave hits you or if your car is submerged in a flooded area.

Will Comprehensive Auto Insurance Cover For Other Accidents?
Comprehensive insurance does not only cover damage to your vehicle caused by floods. Comprehensive auto insurance also covers the repairs if someone backs into your car or is damaged in a hailstorm. 

Do note that comprehensive auto insurance is not the same as collision coverage. Remember that collision coverage only covers damage caused by another vehicle colliding with yours.

How Long Will My Comprehensive Insurance Last?
Comprehensive insurance will generally last for up to 3 years. If your vehicle is still operating after three years, you'll need to purchase another comprehensive insurance policy. Comprehensive insurance will cover any physical damage to the vehicle, aside from wear and tear inside.

Wrap Up
Suppose you live in an area that faces floods frequently. Comprehensive auto insurance will help protect you from the financial impact of flooding. 

Floods can cause damage to your vehicle and personal property, not to mention the cost of transportation if your vehicle is damaged. So having comprehensive auto insurance is a must.

Comprehensive auto insurance can be a great investment for those who live in areas prone to flooding.

At Rollo Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (512) 894-9742​ or Click Here to request a free quote.