If my car is totaled in a flood, how much will my insurance company pay me for it?

It's a 2008 Dodge Charger and the Kelly blue book value of it is $8000. Is this the amount I will get for my car?

Sep 4, 2017 Houston, TX

Neil Richardson

Sep 4, 2017

Most insurance companies use NADA Guide to determine the market value of your vehicle at the time of a claim. In the case of a totaled vehicle, your payout is generally based on fair market value. Unfortunately only your insurance company would be able to answer that question because the payout is completely up to them. Your best bet is to contact them as quickly as possible to begin the claims process since they will likely be handling a multitude of claims.

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