10/02/2022
Will my insurance cover it?
If you have comprehensive auto coverage, youâre covered for flood damage to your car. You can find coverage information on your policyâs declaration page. If you donât have your policy, contact your agent or insurer.
How do I file a claim?
Call your insurance agent or company as soon as possible. Your policy should have a number to call to report a claim. Take photos of the damage and, if possible, of your car submerged. It might take time for your company to send an adjuster out to look at the damages.
Can I dry it out?
This task is best left to a professional if water got in your car. If itâs not dried out correctly, your car will be at risk of mold, electrical issues, and other problems. Experts recommend that you have a mechanic look at a flooded car before trying to start it to avoid more damage.
Will my car be totaled?
The insurance company will look at your carâs actual cash value vs. the cost of repairs. If fixing your car will cost more than what itâs worth, your insurance company will consider it totaled. There was an old rule of thumb that once water reached the dashboard, the car was likely to be a total loss. But todayâs cars have more electronics and can cost more to repair so a car may be totaled even if water didnât get into the engine.
What if my car floated away?
Contact the police departmentâs unclaimed autos department to see if your car has been recovered.
What if I owe more than the settlement?
If you have a gap policy, it will pay the difference between what you owe and the settlement amount. If you donât have a gap policy, youâll be responsible for paying off the remainder of the loan.
if you need help, don't hesitate to Call us (321) 318-9443.
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