Car Insurance Quotes for Flood Insurance
With the recent devastating floods in New England, thousands are left wondering if their car insurance covers damage from a flood. According to the article “What To Do With A Flooded Car: It Depends on the Water’s Depth; The Floods of 2010″ by Peter CT Elsworth on waterworld.com, how high the water comes up is an important factor. If water gets up to the dashboard, it’s usually totaled by the car insurance company.
Most car insurance policies include flood insurance, but not all of them. It’s worth your time to double check and if you aren’t protected start shopping around for car insurance quotes that do provide flood protection. Cars are the only things that do not have special flood insurance according to John Paul, AAA Southern New England’s Car Doctor. Unlike home owner’s insurance, full-car insurance covers flood insurance as a loss.
There are 3 main parts in a car that are affected by floods including carpet & upholstery, the engine, and the electronics. Water below the wheel will most likely only damage upholstery, but above that serious damage can be done to more crucial elements such as the engine. If you end up having flood damage to your car it’s important to report it to your insurance company. It will only show up in car history report if they deem it as totaled.
Tags: car flood insurance, car insurance companies, car insurance quotes, flood insurance, floods of 2010
