Car under water?
Is Flood Damage to a Car Covered?
Auto flood damage is comprehensive cover only — not collision, not liability. Check your policy in 60 seconds.
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The short answer
Flood damage to a vehicle is covered under comprehensive auto insurance. Liability-only policies do not cover it. Total losses are common — even brief saltwater submersion usually totals the car.
Total loss vs repair
Insurers usually total a car when repair cost exceeds 70–80% of actual cash value. Electronics damaged by water often push past this fast.
Frequently asked
- What if my car was parked, not driven into the flood?
- Comprehensive still covers it regardless of where you parked.
- Can I keep a totaled car?
- Yes — buy back the salvage from the insurer. Title becomes a salvage/flood title, reducing resale value significantly.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.