Auto Insurance and Flood Damage
A car that has been submerged in water can unfortunately lose all its value. If the entire engine was soaked, every metal component is subject to rust and decay. Furthermore, toxic mold can grow inside of the seats and on other interior materials. In many cases, car owners simply have to take the loss on a flooded vehicle and purchase a new one.
If the damage to your vehicle is irreparable, the insurance company will usually pay you the value of the vehicle before the flood only if you have comprehensive auto insurance. If you are looking to protect your vehicle with comprehensive Illinois car insurance, let the Illinois auto insurance agents at Insure on the Spot help you find affordable comprehensive coverage for your car. Call us today at 1-888-972-SAVE.
Things to Consider After Flood Damage
If you do not purchase comprehensive coverage, the first thing you should do after your car has been flooded is assess the damage. Here are several important things to consider:
- How long was your car underwater? The longer it is submerged, the more damage can occur.
- Was it was fresh or salt water? Fresh water causes less damage than salt.
- How deep was the water? It may not have been deep enough to incur serious damage.
- How is the oil indicator? A very high reading could mean that water has inundated the engine.
Fortunately, car owners can potentially avoid purchasing a new vehicle out-of-pocket by keeping comprehensive coverage for their vehicles. This coverage protects your car from risks that are not necessarily collisions, typically including flooding, hail damage, and fire damage.
Contact Us
At Insure on the Spot, our dedicated Illinois auto insurance agents will help find you the best Illinois auto insurance quote possible on comprehensive coverage for your car. Contact our agents today at 1-888-972-SAVE.
