Question

Does car insurance cover flood damage?

Yes, car insurance covers flood damage if you have comprehensive coverage. No other insurance coverage option covers flood damage.

How does car insurance cover flood damage work? 

Comprehensive coverage kicks in and pays for non-collision events like natural storms, disasters, floods, etc. There is also a scenario where lenders may deduct the claim amount from comprehensive coverage if the vehicle is financed through a loan or lease. 

Before you go for a claim, check the policy details, or you can call your insurance agent to confirm the coverage limits and process. Remember, damage caused by poor maintenance and personal items inside the car also won’t be covered. 

What should I do with my car after a flood? 

• Don’t start your car right after a flood to avoid serious engine damage. 
• Take photos or videos of the affected parts and damage, which will help provide proper proof while filing an insurance claim. 
• Contact the insurer immediately after the disaster for further proceedings.