What do you do if your car is caught in a flash flood?
This is the season for rain storms, flash flooding, and suddenly finding your car in 6" or more of quickly rising water.
It doesn't take much water to create a flash flood, especially in areas with overwhelmed storm drains, the first floor of parking decks, and in densely populated areas because buildings cause significant water runoff.
What type of auto insurance do you need for flood damage? Here's what you should know.
Comprehensive insurance can cover repairs from flood damage or can pay you for the value of the vehicle if it's totaled. Remember, there is a deductible that you're responsible for, and the higher the deductible, the lower the insurance premium.
It's likely that if you have comprehensive insurance, you also have collision coverage since they're commonly paired together. This covers your vehicle if it strikes an object and is damaged.
If you currently have a loan/lease on your vehicle, it's wise to have gap insurance. This will cover the difference between the value of your vehicle and what you owe, if it's totaled.
Your vehicle can be swept away in even 6 inches of water, so if you see water across the road, please heed the phrase - "turn around, don't drown." This is especially true in a flash flood where the water has a swift-moving current, and it can quickly become deeper.
Do you remember the details of your vehicle insurance policy or where to find that information?
If you'd like help understanding your coverage and if it's adequate for your circumstances, call me at 706-726-1446. I'll be glad to do a comprehensive review to ensure you have what you need.