Does Car Insurance Cover Floods?

Does Car Insurance Cover Floods?

In light of the current devastating occurrences in Florida, Louisiana and Texas resulting from Hurricane Harvey, thousands of people have lost their homes along with properties to the heavy flooding.  More flooding has accompanied this 500-year storm more than any Florida storm in the last decade.

Whereas their safety and shelter and that of their loved ones are of the paramount significance, the affected people have endless questions. What do many of these apprehensions involve? Next levels. How are these conditions going to be addressed on a national scale, state and personal level?

Whether or not individuals have flood insurance, they’re worried about how this hurricane will affect their finances. According to insurance specialists, 80% of Hurricane Harvey victims do not have flood insurance; with costly replacement and repair costs, this could be crippling for hundreds of thousands of people.

One misunderstanding surrounding their belongings is whether or not vehicles are covered by the flood insurance they bought via their homeowner’s insurance. The reason is that since a vehicle is technically one of their personal possessions, it might fall under this category. With the estimated 300,000 to 500,000 cars in the Houston area, this is considered collateral damage.

On the other hand, automobiles are in a different category altogether. Simply because you have flood insurance via your homeowners’ insurance doesn’t imply that your vehicle will be replaced or repaired. What actually protects vehicles against floods is a comprehensive vehicle insurance policy. Unlike collision insurance, which covers the vehicle against common accidents, comprehensive insurance protects drivers from theft, natural disasters, fires, animals, and floods. In other words, if you have full coverage or comprehensive vehicle insurance, your car should be covered in severe or minor floods.

Logically, if you or a member of your family is at present being impacted by Hurricane Harvey, safety is the utmost priority. When you are ready to look for the way forward, do not hesitate to get in touch with your insurance provider with any questions you may have.

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