Coverage & Claims

Is accidental flooding covered under comprehensive coverage?

Sorry to hear about the loss. Yes, comprehensive coverage should cover any kind of flooding that occurs to the vehicle.
Jul 31, 2019 Jacksonville, FL

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Coverage & Claims Motorcycle Insurance

My motorcycle was in the back of my friend’s truck, which flooded and went downstream. Would his insurance cover the motorcycle?

I'm sorry but your friend's insurance company would not be responsible for your motorcycle since car insurance does not cover the contents of the vehicle, which is what the motorcycle would be considered. If you have comprehensive coverage on the motorcycle, your insurance company will likely cover the claim.
Jul 23, 2019 Hico, TX

Coverage & Claims

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

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.
Sep 5, 2017 Houston, TX

Coverage & Claims

Can my insurance company deny a claim if I didn't move my vehicle knowing that a storm was approaching?

No. If your policy includes comprehensive coverage on your vehicle then a claim shouldn't be denied for flood damage.
Aug 30, 2017 Key West, FL

Coverage & Claims

Am I covered under comprehensive if I tried to move my vehicle away from flood waters and it still sustained water damage?

It's very likely that the water damage to your car would be covered. Generally speaking, flood damage is usually considered a covered loss under comprehensive coverage. Your insurance company will make the final decision about covering your vehicle, though, so you would need to contact them to start the claims process.
Aug 6, 2017 Plant City, FL

General Insurance Homeowners Insurance

Do I need to buy a flood insurance policy for my car?

While it is correct that your home will need a separate policy for flood coverage, you do not need it for your auto insurance as long as you have comprehensive coverage. Comprehensive covers things like fire, theft, vandalism, and flooding.
Feb 27, 2017 Biloxi, MS

Coverage & Claims

What covers my flood damaged car?

Comprehensive coverage is insurance that specifically covers your vehicle against damage due to weather events like flooding and basically anything other than an accident. As long as the damage is more than your comprehensive deductible then your vehicle will be repaired by your insurance company once you have paid your deductible.
Mar 7, 2016 Mobile, AL
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