When you consider your Texas auto insurance the first thing that comes to mind probably isn?t protection against natural disasters, specifically flooding. Because you live in an area where flood damage is likely; from heavy rainfall to flash floods and hurricanes, in Texas especially it is important to think about flood coverage for your vehicle.
Flooding risks ? More than 90% of natural disasters involve flooding- from storm surge in the event of a hurricane to torrential rainfall in extreme thunderstorms, the extreme weather of Texas makes it likely that you or your car will encounter some type of flooding.
Damages caused by flooding to your vehicle can be extremely serious. Floodwaters around your car can damage not only to your cars exterior aesthetic and body, a flood can also create major problems under the hood and to the interior. Lengthy exposure to water, especially to salt water, will cause deterioration through rust and other mechanical issues to happen quickly.
If you happen to leave your windows or sunroof open or if water seeps into your vehicles interior through some other means, chances are high that your car will suffer what insurance companies call a ?total loss.? In this case no part of your vehicle is salvageable and it will need to be totally replaced.
Tips for keeping your head (and car) above water ? If you live in an area where extreme weather is known to cause flooding you can take steps to lower your risk. Keep in mind that flooding occurs in all 50 U.S. States, so you may be at risk and not even know it.
Always make sure that you keep your windows, sun roof and trunk shut whenever your vehicle is parked. Seal off the interior of your car in this way and you can perhaps avoid some of the costly interior damage caused by flooding. When you know a storm is coming, move your car so that it is parked on high ground. Also, if your car is parked in a garage usually you should install a garage pump system to help get any extra water out in a flood.
If you have to drive in extreme weather don?t take any unnecessary risks. The best plan is to not drive at all, but if you get caught in a storm, pull over or onto high ground to ride it out. If there is flash flooding stay off the roads. Never try and drive through a flooding street or a dip in the road that may have filled with water. Standing water on the road can be much deeper than it appears and cause serious damage to your vehicle if you attempt to drive through it.
Flood coverage ? Ensure that you are protected from flood damage by adding comprehensive coverage to your auto insurance policy. Comprehensive coverage means that you will completely covered from all harmful or hazardous problems your vehicle encounters in natural disasters and flooding.
Liability only insurance coverage, coverage that is mandated by the State, is not enough to protect your car from flood damage. The best policy in life is to be smart and be prepared. As soon as you can call your Texas auto insurance company and inquire about your coverage limits and how you can get covered and protected from flood damage. On average drivers pay 100-$200 extra per year when they add comprehensive coverage to their auto insurance policy.
Be aware that most insurance companies will restrict your ability to purchase insurance when there is a storm of any kind approaching. Don?t wait and get caught underwater! Get in touch with your Texas auto insurance company now and get covered.
If you experience flood damage get in touch with your Texas auto insurance company quickly. Time is one of the most important factors in a flood auto insurance claim. By getting your claim in early you can help expedite its resolution. Take pictures and make records of any and all the damage caused by the flood, then start drying your vehicle out as soon as you are able.
Before you drive, make sure to go over your Texas auto insurance policy and verify that you are covered in case of a flood. If you need additional coverage, or your Texas car insurance policy is too expensive, check out Al Boenker Insurance, a top Texas insurance provider, for great coverage options and the ability to shop over 127 companies to get the lowest rate.
Source: http://simplesolutionweb.com/money/flood-coverage-and-your-texas-auto-insurance
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