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suv driving through deep flood waterWith the changing seasons comes severe weather. As we move from summer into autumn, severe weather can creep up fast, and cause massive damage.

Thunder, lightning, hail and rain are hard on your vehicle. Rain can be especially devastating to your car if it causes water damage. Flooding can occur quickly with such uncertain weather. If flooding damages your car, your auto insurance policy will likely be able to help you with repairs.

Here are some tips for understanding how flooding affects your car and your insurance.

How Flooding Affects Cars

The National Flood Insurance Program (NIFP) says floods are the most common natural disaster. All 50 states have experienced flooding in the last five years.

Even a few inches of rain can cause flooding, especially if you live in high-risk areas. Small amounts of water in your car can cause rusting, mold damage, or damage to your interiors. Major flooding can damage your engine or other crucial systems, and even total your car. With flooding, you might be stuck with a hefty repair bill, or even be without a car.

Does auto insurance cover flooding?

The good news is that most auto insurance policies cover flood damage to your car.

However, make sure that your auto insurance policy includes comprehensive insurance coverage. Comprehensive insurance covers your auto in the event of accidents other than collisions. That means comprehensive insurance will likely cover flooding or water damage.

Most auto policies have comprehensive coverage. Still, always check with your insurance company to make sure that your policy has comprehensive coverage. Make sure that comprehensive coverage includes flood coverage as well.

In some cases, you might need to buy separate flood insurance to go with your auto policy. This is usually the case if you live in an area with a high risk for flood damage.

We are here to help you understand how your Worcester auto insurance policy covers water damage. Call Knight-Dik Insurance Agency, Inc. today at (508) 753-6353.

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Knight-Dik Insurance Agency | Mercantile Center, 120 Front Street, First Floor, Worcester, MA 01608 | Ph: 508.753.6353 | Fx: 508.752.1764
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