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Jeep In High WaterWhen it comes to your car insurance coverage, if you are like most people, you don't really delve into the specifics. As long as you're covered, you're good, right? Unfortunately, it's not that simple. It's important to understand what your car insurance covers to ensure you have financial protection if your vehicle is damaged. For instance, do you know whether or not you have coverage for your vehicle during a flood?

The Basics of Your Auto Insurance Coverage

Various car insurance coverage options can be included in one policy. You can generally choose the level of coverage you want, provided it's within the guidelines outlined by your state of residence. For instance, you'll likely be required by the state to carry a certain amount of liability coverage — which provides protection if you injure someone or damage property while you're behind the wheel.

However, there are additional layers of protection you can add to your policy, such as collision and comprehensive coverage. Collision coverage may help with the out-of-pocket expenses you incur if you're in an accident — such as car repairs or the cost of a replacement vehicle. Comprehensive coverage provides financial protection if your vehicle is damaged by something other than an accident — such as severe weather damage.

What Type of Insurance Covers a Flooded Car?

When it comes to flooded cars, if the car wasn't flooded as the direct result of an accident, it will likely be covered by the comprehensive coverage section of your policy. If you don't have comprehensive coverage as part of your car insurance policy, you'll be fully responsible for all repair or replacement costs.

Comprehensive coverage can provide additional benefits beyond cost reimbursements. For instance, if you need a car while yours is being repaired, your comprehensive coverage could help with the rental costs.

You rely on your car on a daily basis, so it's important to ensure damage from a flood, storm or other act of God doesn't leave you in a bind. Unfortunately, you don't get the same level of coverage basic liability insurance that you do if you add comprehensive coverage. This makes it an essential coverage to include, particularly if you live or work in a flood prone area.

We've got you covered. Call Fleming & Riles Insurance at (800) 833-4379 to get a free Georgia car insurance quote.
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