Cars are susceptible to various risks and accidents. In addition to common incidents such as collisions, cars can be significantly affected by floods. Recovering from a flood can be expensive and stressful, so knowing if your auto insurance policy covers flood damage is essential.
Flood damage can result from a massive storm such as a hurricane, and recovering from such a disaster and expensive. If you have a comprehensive auto insurance policy, you will likely be covered if a flood occurs, but there is a chance you’ll need other coverages to manage a total loss. Full coverage auto insurance policies, which typically include comprehensive coverage, usually cover flood damage expenses.
What Is Comprehensive Auto Coverage?
Comprehensive auto insurance is coverage for damage to your car that is not a result of a collision, but rather an external event that is out of your control—such as floods, falling objects and vehicle theft. You will need a comprehensive auto insurance policy if you want help from your insurance carrier to assist with repair costs related to flood damage.
Filing a comprehensive insurance policy claim usually means you’ll have to pay a deductible. This is an out-of-pocket cost you’ll cover following an accident before your insurance provider helps you cover any remaining accident-related costs. Floods can cause significant damage to cars, so you should consider learning more about comprehensive auto insurance policies.
To learn more about auto insurance coverages near Santa Rosa, California, contact the RCU Insurance Services agents at 707-576-5115.
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This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.