PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Do car insurance companies consider flooded vehicles a total loss?
My Nissan was flooded after torrential rain in my area. I called Allstate to submit a claim. I have gap insurance, but can I expect my vehicle to be a total loss?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Sorry to hear about the flood, but hopefully, you can come out of the situation with a beneficial situation.
Whether your vehicle will be marked a total loss will depend on how much
Allstate
determines your vehicle is worth and what the cost to repair it will be. In the case of flooding, cars are typically beyond repair, so expect a total loss.If your
car insurance company
determines the actual cash value of the vehicle is more than the cost of repairs, they’ll pay for repairs. If the repairs are more than your vehicle’s value, Allstate will likely pay out the ACV.Gap insurance
will cover the difference between your loan balance and the actual cash value of the car. If your loan is less than the vehicle’s value, you won’t need to submit a claim as it’ll pay off your loan.Keep in mind that you must have comprehensive coverage to get compensation in the event of flooding. If you live in an area that’s prone to flooding and you don’t currently, you may want to add it or shop around for it. With the
Jerry
app, you can compare dozens of quotes from over 40 insurers so you can find the perfect flood protection for your car.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance for Your Car
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
