Protecting Your Vehicle Against Flood Damage
A flood can be one of the greatest threats to your car. Flood damage is often so extensive that it makes the vehicle completely inoperable. To repair the damage, it may be necessary to replace the entire interior of your car and major parts of the engine. In many cases it is just easier and more affordable to buy a new car than to try to repair a flood-damaged vehicle. Fortunately, many insurers provide comprehensive car insurance coverage, which protects your investment in case your car is flooded.
Flood Precautions to Take
In addition to buying comprehensive coverage, there are certain precautions that you can take to protect your vehicle from a flood. These include:
- If you live in a low-lying area that is prone to flooding, consider buying a vehicle that is elevated further off of the ground, such as a large truck or SUV.
- On days when it will storm and possibly flood, park your vehicle in the garage or on a nearby street that is at the top of a hill.
- For areas prone to hurricanes, stay alert of hurricane warnings and evacuate when a hurricane threatens your area. Alternatively, find a self-storage nearby where you can keep your car during a major storm.
These tips can help to minimize your chances of losing your vehicle to flood damage. Even if you do not live in an area prone to storms or flooding, it is possible that your car could be damaged in a rare storm or accident. Comprehensive coverage helps to protect you from these unforeseeable situations so that you have the peace of mind that your vehicle is covered in a non-accident situation.
Comprehensive Insurance and Floods
Comprehensive insurance is a wise choice for many car owners, particularly those with newer vehicles or those who live in flood-prone areas. Comprehensive coverage insures your car against non-accident damage, such as damage from fire, animals, hail, and flooding.
In the event of a flood that damages your car, your insurance will pay for the total cost of repairs, minus your deductible. If the repair costs exceed the value of the car, it will likely be registered as “totaled” and you will receive compensation amounting to the current value of your vehicle.
To learn more about flood protection and the comprehensive coverage options that are available to you, contact the friendly Chicago car insurance agents of Insure on the Spot today at 1-888-972-SAVE.