Auto insurance can provide coverage for many situations. However, what’s covered depends on the type of auto insurance you have. If you have a car that’s damaged by a flood, it may be hard to determine what insurance will cover the damage, auto or flood. Our team at Capretta Insurance Agency is committed to educating Parma, OH residents about auto insurance coverage. We understand that knowing what’s covered by a particular insurance policy can be confusing.
What Is The Next Step To Take After Flood Damage?
All drivers are required to carry auto liability insurance as a minimum requirement. However, auto liability insurance will only cover injury or damage to another person’s property or vehicle if you’re at fault. Auto liability insurance won’t cover your injuries or car damage. However, flood insurance won’t cover your flood-damaged car. Flood insurance covers damage to your property/home and belongings, not your vehicle. However, flood insurance will cover any personal items damaged while inside your car.
What Type of Auto Insurance Covers my Flood Damaged Car?
Comprehensive auto insurance is the only insurance that covers flood-damaged cars. Comprehensive insurance will replace or pay for damage not caused by a collision or non-moving violation. Comprehensive insurance covers theft, vandalism, fire, and even repairing your flood-damaged car. Comprehensive insurance will pay for the repair or replacement of your car in a flood, or if you drive through flood waters. Comprehensive coverage isn’t required. However, many drivers invest in comprehensive coverage to protect themselves from damage caused by non-moving violations.
Contact Capretta Insurance Agency Today
If you have questions about comprehensive insurance or auto insurance in Parma, OH and surrounding areas, give us a call. We’d be happy to answer your questions.
