Car, Home, Toys, and Life Insurance Resource Center

Welcome to the best Michigan insurance resource! Michigan has the most unique insurance laws in the United States. Learn about what it takes to be insured properly as a Michigander. Get saving tips, mandatory coverage amounts, and answers to many frequently asked questions.

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Does Car Insurance Protect Against Flood?

When you think of flooding and the damage it can do your mind automatically clicks on “Act of God.” It is a term that is tossed around frequently and can apply in cases of certain types of insurance, but you can actually have your car protected and covered from flood damage if you have the right policy. If there was ever a reason to reconsider having bare minimum coverage on your car or truck, natural disaster is one.

There is no way to stop flooding from happening and you do not even have to live in a designated flood zone to be affected. With the crazy weather events that have been happening, localized serious flooding can happen anywhere.

Comprehensive is Comprehensive

You may be the best driver in the world and save a lot of money by carrying liability coverage only, but if your vehicle suffers flood damage it will be a complete loss without comprehensive coverage. Comprehensive is just that, the most comprehensive insurance you can have that covers a multitude of bad things that can happen to your ride.

If you own a car or truck that is 10 years old or newer you should carry comprehensive coverage on it. It costs thousands of dollars to replace a good vehicle. How hard would having to replace it hit your budget? How long would it take to save money for a new one? What if you are still making payments on it? You will have to finish payments on that AND save for a new one.

How Much Damage Can Water Do?

The higher the water is that your car or truck is stuck in determines the extent of the damage. It will damage the interior a lot quicker than the engine, but even a partial submerging can render the vehicle totaled. This is because the damage to the wiring and other components is typically ongoing.

It’s important to get the car away from the water as fast as you can and begin drying it out. That does mean grabbing the hair dryer and towels. You need to have an experienced service that specializes in drying out flooded vehicles do the work. This is not the time to try and save a dollar or two. If you have to pay out-of-pocket for it there will be reimbursement as long as the damage was done by flooding and your coverage is current.

Limits on Coverage

Even though comprehensive insurance will cover a multitude of things there is one limit that can make a difference. If you live in an area that is considered a flood zone or in a hurricane prone area and there is bad weather predicted to move in, you will not be able to run down and get coverage at that time. It is simply a matter of common sense. It isn’t really fair to cover everyone all year long and then have you rush in right before bad weather and get the same coverage, right? Save yourself the embarrassment and move the vehicle to a safe area until the weather passes and THEN get coverage.

If you have comprehensive insurance on your vehicle and you experience a flood event then:

  • Have the car removed from the water as soon as it is safe enough to do so.
  • Have a licensed and insured company start the drying and salvage process.
  • Contact your agent to file a claim.

Make sure to keep your policy payments up to date if you live in an area that is prone to weather events. You don’t want to be denied coverage because you inadvertently forgot to make a payment.

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