What to Do If Your Car Is Flooded Without Collision Insurance?

[NatalieFitz]

Being flooded is unrelated to collision insurance; you should discuss water damage insurance. If you haven't purchased this insurance, you'll have to pay for the repairs yourself. If your car is flooded and stalls while driving on the road, purchasing water damage insurance (engine special loss insurance) and collision insurance can entitle you to full compensation.

[OBraxton]

It's really frustrating when a car gets flooded without insurance, especially for seasoned drivers like me with decades of experience. The first thing you must not do is start the engine—water entering the cylinders can cause permanent damage, and repairs can easily cost tens of thousands. Move the car to a safe spot, turn on the hazard lights, and immediately call a professional towing company to transport it to a repair shop. Have a trusted mechanic thoroughly inspect it, as the wiring system, seats, and interior are prone to mold and rust, and repair costs can be shockingly high. If the car is old, consider scrapping it or selling it for salvage to save some money. Safety always comes first—life is far more important than the car. Pay attention to weather forecasts, avoid flooded roads, and next time, remember to get comprehensive insurance—it's money well spent.