Yes, comprehensive insurance does cover flood damage. Comprehensive car insurance covers any sort of damage caused by things that are not related to an accident, sometimes called “acts of god,” including damage caused by storms or other natural disasters.
What Comprehensive Insurance Covers
Theft and vandalism
Collision with another car or object
Flood, fire, or natural disaster damage
Damage caused by the road surface, like potholes
Roadside assistance, towing, and jump starts
Rental car expenses after an accident
Comprehensive insurance is subject to a deductible, so it may not always be worth filing a claim. If repairs for the flood damage would cost less than or a similar amount as your deductible, it may be better to just pay out of pocket.
It’s also worth noting that even though a comprehensive claim may not affect your insurance rates as much as things like at-fault accidents, you still may see a slight change in your premiums after a comprehensive claim.
A comprehensive insurance claim is a request for your auto insurance company to pay for non-collision damage to your vehicle, such as weather-related damage, animal damage, or vandalism. Drivers with comprehensive coverage on their car insurance policy can file a claim online or by calling their insurance company. Insurers will require some basic information about the incident as well as evidence of the damage done to the vehicle.… read full answer
Examples of Reasons for Filing a Comprehensive Claim
It is better to have comprehensive insurance than collision insurance, if you need to choose between the two. Comprehensive coverage is inexpensive, can be purchased alone, and pays for damage due to events beyond your control, such as vandalism, theft, natural disasters or run-ins with animals.
On the other hand, drivers with a history of accidents or moving violations and drivers who live in high traffic areas should consider investing in … read full answercollision insurance. Given that collision insurance cannot be purchased without comprehensive insurance, you’ll get the benefit of both types of coverage.
Why You Should Get Both Comprehensive & Collision Coverage
If your car is leased or financed, your lender or lessor will likely require you to purchase comprehensive and collision insurance together. But even if you do have a choice, you should still consider purchasing both types of coverage.
Collision and comprehensive insurance are best bought together because they cover different situations. Collision coverage repairs or replaces your car when it’s damaged in an accident, regardless of fault, while comprehensive insurance applies when your car is damaged by something other than an accident.
Ultimately, if you’re still struggling to decide whether to purchase comprehensive or collision coverage, a good rule of thumb is to skip either type if the cost is more than 10% of your car’s value. However, this is just a general guideline, and you should also consider whether you’re in the financial position to repair or replace your car if it’s damaged.
Comprehensive insurance covers damage to your car caused by events other than collisions with other vehicles or stationary objects. For example, comprehensive insurance helps pay for damage from vandalism, natural disasters, fire, and theft, but it does not cover vehicle repairs after hitting a car.
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