If rains cause water levels to rise but are no higher than the floor of your car: You might be lucky and avoid most damages, or just have minor repairs covered after your deductible. It depends on how deep the water is surrounding your car, and what the water got into. Your comprehensive policy would pay (after the deductible) for repair costs or reimburse you for the actual cash value of the car if your insurance adjusters say it's a total loss. Although the coverage can be pricey, it will shield your car from many of life's uncontrollable events on top of heavy rains and flooding, like vandalism and broken windshields. In most cases, the coverage is not mandatory, but if your car is under 10 years old and/or worth more than $3,000 it is recommended that you carry it (and its counterpart collision insurance). To be covered for flood damage you need to have comprehensive auto insurance. How to file a car insurance claim after a flood.When does auto insurance cover flooding?.
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