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Will Louisiana car insurance cover flood damages to my vehicle?
Does my car insurance cover flood damage? I live in Louisiana in a flood zone. I have the basic requirements for car insurance in my state but want to be prepared in the event disaster strikes.
Phoebe Mah · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“It is great to hear you are taking steps to protect your vehicle!
While it is fine to have the minimum requirement for auto insurance in
Louisiana
, this basic coverage will not cover the damages from a flood.What the minimum car policy will provide is liability coverage, which includes
bodily injury liability
and property damage liability
.To protect your vehicle in the event of a flood, you’ll need to add
comprehensive coverage
to your car insurance policy. Doing so could mean saving yourself from paying thousands of dollars on repairs or replacement of your vehicle.Beyond flooding, comprehensive insurance will make sure you’re covered in situations that are beyond your control, including:
But it is important to note that comprehensive insurance will not cover water damage that is related to negligence like leaving a window open during a rainstorm or slow leaks from a lack of maintenance upkeep.
If you are interested in adding coverage to your policy and want to get the best deal, go to
Jerry
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes in seconds, helps you switch plans, and will even help you cancel your old policy.”View full answer
- Gregory R.
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