Which Car Insurance Covers Flood Damage?

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Flooding is one of the natural disasters that occurs suddenly and often causes damage before we have time to prepare.

Cars are one of the assets that can be affected by flooding. Therefore, if you own a car, it’s important to know which type of car insurance covers flood damage. This article will help you understand which insurance policies provide flood coverage.

Which Car Insurance Covers Flood Damage?

There are two types of car insurance that cover flood damage:

• Comprehensive (First-Class) Insurance

First-Class car insurance offers the most comprehensive coverage, including accidents, damage from collisions, and natural disasters like flooding. Therefore, if a car insured under a First-Class policy is damaged by a flood, you will be covered according to the terms specified in your policy, except in cases where the damage was intentionally caused by the owner.

• Second-Class Plus (2+) Insurance

Second-Class Plus insurance provides coverage similar to First-Class in many cases, including protection from natural disasters such as floods and fires. However, coverage for accidents involving other vehicles is only provided when there is an identifiable third party. If the third party cannot be identified, coverage will not be granted for such accidents.

Exceptions to Flood Coverage

Although First-Class and Second-Class Plus insurance policies do cover flood damage, they do not apply in every situation. Insurance companies may refuse to pay claims if they determine that the driver intentionally caused the damage. For instance, if you are aware of an alternative route to avoid a flood but still choose to drive through the flooded area, resulting in damage to your car, or if you deliberately drive into the water to claim insurance, your claim may be denied.

Conclusion

First-Class and Second-Class Plus car insurance are both great options for protecting your car from flood damage. However, coverage is subject to the terms and conditions of your policy, and drivers should always exercise caution when driving in adverse weather conditions.

If you're looking for car insurance that fits your budget, contact Motorist. 

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