- No comments
Different insurance policies cover different claims. It is important to know what is and isn’t covered. In the case of auto insurance, there are a few parts to the puzzle. But basic auto insurance only covers the driver’s liability. For example, minimum limits in California are $15,000 for injury/death to one person, $30,000 for injury/death to more than one person, and $5,000 for damage to property. For your vehicle to be covered, you need to purchase comprehensive insurance.
Since the talking heads in the media have been predicting torrential rain early next year because of El Niño, coupled with the flash flood in the California desert that took out hundreds of cars, people have been wondering about flood insurance for their vehicles. If you are concerned about possible flood damage for your car, you need to have comprehensive insurance.
Often packaged with collision insurance, comprehensive covers a multitude of events, including Deer Accidents (one of the most common comprehensive claims), Hail Damage, Fire Damage (whether the fire was engine related or human-related), Stolen Car (after 30 days), Vandalism, Tree Falling on Your Car (often the only way your car will be covered), and Flood Damage (regardless of what caused the flood).
If your vehicle is affected by a flood, it is essential that you call the claim in immediately. Time is important with flood damage claims, especially if it was caused be a catastrophic event. Also get the vehicle dried out as soon as possible. The sooner your vehicle gets dried out the better your chances of avoiding a total loss situation. Be sure to contact the appropriate professionals to dry your vehicle.
Sit down with your insurance professional and see if you are covered for what you think you are. Don’t be caught short when you need a claim paid. Check on your coverage before you need it.