Will flood insurance help replace my car?

Living in Louisiana, we get hit with a lot of floods. This past weekend we had some minor hurricane activity and the house was fine, but my garage is completely flooded and my car was underwater. I know my garage is covered, but will my flood insurance help replace my car?

“I’m sorry to hear about the damage. But you’re right, the garage will be covered by your flood insurance.
Flood insurance does not, however, cover damage to motor vehicles (including cars, ATVs, motorcycles, watercraft, etc.) even if they are parked in your garage. If your car is damaged by a flood, you would make a claim under your car insurance policy—provided you have comprehensive coverage.
Note that a standard car insurance policy does not include comprehensive coverage. You must add it on.
Without comprehensive coverage, you may be left to cover the damage on your own. However, if the flood damage occurs during a declared emergency, the Federal Emergency Management Agency (FEMA) may be able to help cover the costs through their Other Needs Assistance (ONA) program. There is no guarantee, but it’s certainly worth looking into.
If your car is a total loss after a flood (aka totaled)—meaning the cost of repairs outweighs the actual cash value of the vehicle—your insurance company will pay you the car’s fair market value, minus your deductible. You can use this money to purchase another vehicle.
This leaves comprehensive coverage as the best and most reliable way to be certain that your car is covered. If you don’t have comprehensive coverage or want to make other changes to your car insurance policy, Jerry can help set you up with new insurance and save you money. Jerry will gather competitive quotes from more than 50 top insurance companies for free, and the average Jerry user saves $879 a year!
chloe jenkins
Answered on Sep 10, 2021

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