Does the car insurance cowl flood injury? – nj.com

Floods are one of the most common natural disasters in the United States. In many areas, particularly in the northeast, coastal flooding has become more frequent.

You may have heard of getting proper flood insurance for your home in the event of a hurricane or similar natural disaster, but what about auto insurance?

Here's what you need to know.

Yes, but only if you pay for comprehensive auto insurance. According to Allstate, fully comprehensive insurance is auto insurance that helps pay for a vehicle to be replaced or repaired if it is damaged or stolen in a non-collision incident.

Comprehensive coverage can help cover your vehicle if it is damaged by flooding, but it doesn't cover water damage caused by a maintenance problem, such as B. opening your window when it rains or a slow leak.

If you don't have comprehensive car protection and your car floods during a storm, you are probably out of luck.

Household contents insurance does not cover flood damage to vehicles, even if flood damage insurance is included in the plan, because it only covers damage to personal items that are in your car.

However, there is an option if you need resources.

If a natural disaster occurs, you may be eligible for government help in the form of an inexpensive loan.

The first thing to do when your car floods is to take plenty of photos to document the evidence for your insurer.

Take photos and videos from all angles of the flooded car so the insurance company can see the level of water damage.

After taking photos and videos of your damaged car, it is best to report your damage to the insurance company as early as possible. In the event of a major natural disaster, many others are likely to make their claims as well.

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Katherine Rodriguez can be reached at krodriguez@njadvancemedia.com. Do you have a tip? Let us know at nj.com/tips.

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