You don’t have to watch the news to realize that flooding is a major problem for any type of structure whether it’s a commercial building, park, or home. Water can have a catastrophic effect when it gets into places that it shouldn’t be, especially when it’s in abundance. One common misconception though is that certain cars or trucks can be safe when it comes to floodwaters. And that’s just not the case. When it comes to any type of vehicle, once the waters are high enough, it’s time to flee your vehicle and get to safety. What can you do though? Insure your car.
How much damage can flood water cause to your car?
Getting back to the damage that flooding can cause a vehicle, these numbers speak for themselves. From 2005 to 2014 damage from floods to cars added up to $3.5 billion per year on average. The type of damage that can occur can be anything from engine seizure, warped brakes, and transmission failure. Transmission repair alone can cost upwards of two grand.
Insuring your vehicle from flood damage
The best way to cover your vehicle is to elect to include comprehensive coverage on your policy. You must elect it as part of your policy because comprehensive coverage is not an automatic part of most auto insurance policies. This is because most insurance companies place an emphasis on accidents since those are what tend to happen often. What comprehensive coverage means overall is that your car is covered for anything outside of damage from an accident. For instance, if a giant tree lands on your car and damages it, comprehension coverage will take care of it since it had nothing to do with a driving accident.
Of course, most people are hesitant to add this coverage because it increases their insurances rates and more times than not those types of accidents don’t usually happen. But they can. And flooding more importantly flash flooding can happen in an instant without any warning. Even though it’s a rate increase, it’s usually only around thirty-nine dollars a year or three percent. That’s a drop in the bucket in comparison to a transmission bill due to flooding.
Now that you know all about how to protect your car from those devastating flood waters, are you in the market for a new car or truck? Want to lease or finance that brand new vehicle? Then give us a call at 877-711-3310 or stop on in at 1239 Hylan Blvd Staten Island, NY 10305-1901. When you browse our selection for a new or used car, truck and SUV, you'll see how comprehensive it is, which is one way we strive to serve our Brooklyn, NYC, Woodbridge NJ, Jersey City, Newark customers.