Auto Insurance: Is Your Car Covered From Storm Flooding Damage?

​Storms can cause flooding in a matter of minutes. It's not just the rising water that can damage your car but also the debris it carries. If you have comprehensive coverage on your auto insurance policy, you're covered for flood damage to your car. 

Comprehensive coverage can cover your car from events that are out of your control. This means it can help you save money in case flooding damage occurs to your car.

What is Covered for Storm Flooding Damage?
You can recover from the damage that flooding will cause no matter what type of car you drive. If a major natural disaster impacts you, the right insurance policy will protect your finances, assets, and property. Trusting the experts with your car insurance is the smartest thing you can do for your car and your finances.

Comprehensive auto policies will cover flood damage, but you may need other coverages to handle a total loss if a flood leaves you without a functioning vehicle. 

To help protect your finances, check whether your policy includes coverage for renters' insurance. If not, get an additional policy to protect you from the financial consequences.

Comprehensive Coverage
Comprehensive insurance will cover your vehicle for damage caused by events like floods. It also covers injuries and fatalities that come from a crash, theft, or vandalizing the vehicle.

The amount of coverage you need depends on how much you value your car and what kind of payments you're comfortable with.

Here is the list of common storm-related accidents that are covered:

1. Windstorm and Tornadoes
   Your car can be damaged by debris sent flying by strong winds. Comprehensive car insurance will cover those damages.
2. Hail
   In most cases, comprehensive coverage will also pay for repairing or replacing your vehicle if it's damaged by hail.
3. Storm Surge
   Even if you don't plan on driving on the roads during a flood, comprehensive coverage can save you from unexpected expenses. Flooding can cause big damage to your car, even if simply parked outside.

Wrap Up
Insurance is designed to protect you from the risks in life. Many people don't understand what insurance covers, but it's important to understand that when you're covered, you'll be able to deal with whatever comes your way.

At Robinsons Insurance Agency LLC, 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 (888) 254-7350 or Click Here to request a free quote.