Does Auto Damage Insurance Cover Flooded Vehicles?

[Sara]

Auto damage insurance does cover flooded vehicles. After the 2020 auto insurance reform, water damage coverage was incorporated into auto damage insurance. If your car is flooded, you can file a claim under auto damage insurance. Direct losses to the insured vehicle caused by flooding, resulting from natural disasters or accidents and not falling under exclusions, will be compensated by the insurance company within the agreed limits. Auto Damage Insurance: Auto damage insurance refers to a type of commercial auto insurance where the insurer compensates for damages to the insured vehicle caused by insured accidents occurring while the vehicle is being used by the policyholder or an authorized driver, within reasonable limits. Important Notes: Auto damage insurance does not provide full compensation. Insurance companies set a deductible in the policy terms based on specific circumstances and list exclusion clauses. Currently, many insurers offer zero-deductible coverage, allowing policyholders to transfer the deductible amount they would otherwise bear for accident liability to the insurer, resulting in higher claim payouts for car owners.