Does car insurance cover flooding from rain water?

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Asked October 15, 2012

1 Answer


Where car insurance is concerned, flooding is parting of the optional comprehensive coverage plan. If you do not have comprehensive coverage for your vehicle, then it will not be covered if heavy rains cause localized flooding and your car is affected. If you are making payments on the car, your dealership probably requires you to carry comprehensive coverage because it protects the vehicle against many different perils, including vandalism, flood damage, and chipped or broken windshields.

Even if your car is covered against the rising waters, you could be disappointed at how your claim is settled. Most insurance companies consider the vehicle totaled if the water level rises above the floorboards, and that means you will only receive the depreciated value of your car's value. If you are making payments on the car, this amount may not be sufficient to pay off the loan unless you also have GAP coverage to cover the difference between depreciated value and actual loan amount.

Comprehensive coverage is the key to your car's protection, coupled with GAP insurance to protect against a worst-case scenario. Without one or both of these insurance options, you will be forced to pay for the repairs out of pocket, even if the car is completely ruined. And being ruined is a distinct possibility if the water rises above the floorboards, because once the wiring systems get wet, it can be next to impossible to bring the car back into a usable condition again unless you are willing to pay for having the vehicle stripped down and completely rebuilt.

Answered October 15, 2012 by Anonymous

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