Will Car Insurance Cover Flood Damage for Your Car?

will car insurance cover flood damageHaving vehicles means that you are ready to take care of and maintain the condition of your vehicles. One way you can do to take care of your vehicles when unexpected things happen is by having car insurance. By having car insurance, at least you will have a backup while something dangerous happens to your car. 

Besides, natural disaster becomes one of the strong reasons why you have car insurance. The flash flood and heavy rain can turn the road into rivers and that is absolutely dangerous for your vehicles. Will car insurance cover flood damage? That question will be hovering in your mind. 

The weather is changeable and unpredictable. That is why the heavy rain can suddenly happen and pooled the road. That means danger for your vehicles as 12 inches of water can float the car and damage its machine. 

Will Your Car Insurance Cover Flood Damage?

When the flood happens and you are stubborn to keep driving your car, you have to face many possibilities that may happen to your vehicles. That actually happens a lot to many people because they insist to drive through the flood. 

You might count on your car insurance, but not all policies from the car insurance will cover all the damages caused by the flood. But if you have a full car insurance policy, it is possible for you to claim for the damage of your vehicle because of the flood. This might happen in one condition that you have taken precautions for your vehicle. 

Most car insurance companies put flood damage into two different categories which are unavoidable flood and avoidable flood. Keep reading to find out their details. 

1. Unavoidable flood damage

This category describes well by the name. Unavoidable flood damage refers to the damage by a sudden and strong flood that damages your vehicle when your car is parked in the place where it’s usually parked. You have nothing to do to move or save your car before the flood happens. 

This occasion might happen when your area is flooded by the water and you have stuck there as well as your vehicle. Car insurance might cover the damage that happens to your cars if this unpredicted accident happens. Make sure to check your car condition thoroughly to ensure that your car gets the maintenance it needs.  

2. Avoidable flood damage 

Another category is also described well by its name. Avoidable flood damage refers to the flood that is avoidable for you but you insist to get through it.  You might insist to drive into the floodwater while you are on the way somewhere. 

Besides, you do not know how deep the flood is and you are actually able to avoid the flood but you just won’t. Six inches of floodwater is more than enough to touch the bottom of your car and it is possible to give damage to your car. When the machine is inside the water, you will never know how terrible the damage is to your car. 

Will car insurance cover flood damage if this is what happens? Because of your careless action, car insurance usually will not accept your claim of this kind of damage. Your car will not be in danger if you do not insist on driving into the floodwater. 

Car Safety Tips in Flooding 

After you know two categories of flood damage, you need to know and understand some car safety tips to make sure the condition of your vehicle, especially during the flood. Here are some simple tips you can practice. 

1. Check the weather forecast daily 

As the weather is changeable and unpredictable, it is important for you to check the weather forecast every day, especially the weather in your area. Make sure you access the official website or application to check the weather easily. This way makes you prepare sooner if the weather is not friendly. 

2. Take action faster 

By checking the weather forecast daily, you will know if something bad happens due to the weather. If there is flood prediction, you can take an action faster to save your vehicles. You can move your car to a higher place. 

3. Do not turn on the engine 

You might still wonder will car insurance cover flood damage, so to decrease the damage while flooding, do not try to turn on the engine. Do not take a risk to turn on the car engine or keep going while your area is flooding. 

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