Water damage inside a vehicle can be devastating. When it occurs, it can become hard to remove. The seats may develop mold over time. The carpeting or leather may warp. It can also cause significant damage to the engine and electronics. In this situation, your first step is to call your auto insurance company. Find out if you can file a claim. Many times, this damage has coverage. However, there are a few things to consider first.
When Does Car Insurance Cover Water Damage?
The cause of the water damage matters. Car insurance companies do not cover damage to a vehicle due to normal wear and tear. It also does not cover damage brought on by mistakes of the driver. For example, if you failed to repair the skylight of the car and a leak formed, your policy is not likely to provide coverage for the losses.
It does cover instances when actions of Mother Nature occur. For example, a thunderstorm or flood causes damage. This does not mean it will always provide coverage, however. If you did not take the steps necessary to protect your car – and you could have – your policy may not reflect coverage.
What to Do with a Water-Damaged Car
If your car suffers water damage for any reason, contact your auto insurance company. Ask the company what your options are. In many cases, the insurer will provide steps for you to take. This may include having an inspection of the car completed. This will provide insight into:
- What caused the damage
- Why the damage occurred
- What amount of damage is present
- What long-term consequences are possible
- Can the company repair the vehicle
In some cases, a significant amount of damage may warrant totaling the car. If the cost to make repairs is too high, the car insurance company can recommend this. If the damage is within the scope of the policy, the agent will provide instructions on the next steps. This includes telling you how much coverage is available for the repairs. You may have to pay a deductible as well.
Water damage on cars can be dangerous. Do not put off getting these repairs cared for by a trained and trusted technician. Let your auto insurance company provide insight into what your options are for making repairs. You may be able to get the work done quickly.
FAQ’s About How to Handle Water Damage to a Car
Can water damage be fixed on a car?
Yes, water damage can be fixed on a car. However, the extent of the damage will determine the cost and time required for repairs.
How long does it take to repair water damage on a car?
The amount of time it takes to repair water damage on a car depends on the extent of the damage. Minor damage can be repaired in a few days, while extensive damage may require several weeks.
Will my insurance cover water damage to my car?
It depends on your insurance policy. Some policies cover water damage caused by flooding, while others may require additional coverage for this type of damage.
What is comprehensive coverage?
Comprehensive coverage is an insurance policy that covers damage to your car that is not caused by a collision, such as theft, vandalism, or natural disasters like flooding.
How do I know if my car has water damage?
Signs of water damage to a car include a musty odor, water stains on the seats or floor, and electrical problems like malfunctioning lights or windows.
Can I still drive my car if it has water damage?
It is not recommended to drive a car with water damage, as it can cause further damage to the engine and electrical systems.
How can I prevent water damage to my car?
To prevent water damage to your car, avoid driving through flooded areas, park in covered areas during heavy rain, and regularly check the weather forecast.
How much does it cost to repair water damage on a car?
The cost of repairing water damage on a car varies depending on the extent of the damage and the type of repairs needed. Minor damage can cost a few hundred dollars, while extensive damage can cost several thousand dollars.
What should I do if my car has water damage but I don’t have insurance?
If your car has water damage and you don’t have insurance, you will need to pay for the repairs out of pocket. It is recommended to get multiple quotes from reputable repair shops to find the best price for the necessary repairs.
How can I effectively dry out a flood-damaged vehicle?
To properly dry out a flood-damaged vehicle, follow these steps:
- Once it’s safe to approach the car, open all doors and windows to allow air circulation.
- Use towels to soak up standing water in the cabin.
- Employ a wet/dry vacuum to remove any remaining water from the carpet and upholstery.
- Use fans and dehumidifiers to speed up the drying process.
When is a flooded car deemed a total loss?
A flooded car is typically considered totaled when the cost of repairs exceeds the vehicle’s actual cash value. Factors that help determine this include the extent of the water damage, the age of the car, and the insurance provider’s assessment.
What factors should be considered when purchasing a car with a history of flood damage?
When thinking about buying a car with a flood damage history, be sure to:
- Carefully inspect the vehicle for any lingering signs of water damage, such as corrosion, water stains, or persistent smells.
- Check the vehicle’s title for any flood-related branding, which indicates that the car has experienced flood damage in the past.
- Have a professional mechanic thoroughly inspect the vehicle for any hidden damage or potential future issues.
- Be prepared for the potential need to invest in repairs or maintenance soon, as flood-damaged cars might require more upkeep than non-flooded vehicles.
- Consider negotiating a lower price with the seller, as a vehicle with a history of flood damage may have a lower resale value.