Wednesday, February 8, 2012

Flood Damage and Auto Insurance | insurance

USA Auto insurnace article:

You already might have car insurance that covers you if you?re blindsided by a tractor-trailer. But what if you?re blindsided by Mother Nature? Floods can cause costly damage to automobiles, and you?ll end up footing the bill if you don?t have the right protection.

Coverage for flood damage

The liability auto insurance your state requires will do nothing if your automobile gets damaged in a flood. To be protected against flood damage, you will need comprehensive auto insurance, which covers damage caused by animals, vandalism, weather and theft.

Comprehensive coverage is optional, and it will cost extra. Moreover, you will have to pay a deductible out-of-pocket before your coverage kicks in, whether you?re getting the automobile repaired or getting a payout of its value because it?s been totaled.

When purchasing a used car, make sure you check for signs that it has sustained flood damage in the past. Flood-damaged automobiles might have telltale signs such as mold, rust or a musty smell. A flood-damaged vehicle might have serious engine damage, which could render it unreliable ? and unsafe.

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Source: http://autoinsurancequotesus.com/flood-damage-and-auto-insurance

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