One thing a lot of people dread is unintentionally leaving their car windows down during a rainstorm. After all, when this happens, you could face significant interior damage and high repair costs. Will your car insurance help you pay for the repairs? What can you do to avoid these losses?
Car insurance will only pay for interior water damage in limited scenarios. Therefore, while some types of damage will have coverage, others won’t. Here’s how to differentiate these scenarios.
When Does Car Insurance Cover Your Losses?
Depending on the type of car insurance plan you have, you might or might not have coverage for interior damage.
For example, if you have a policy that only contains liability insurance, then your plan won’t pay at all for damage to your own vehicle. It will only pay for damage done to others when an accident is your fault.
To get coverage for interior water damage, you must first obtain comprehensive physical damage insurance. This is a specific type of coverage that pays for vehicle damage that is not related to collisions. Damage from storms or other events that might allow water into your car will have coverage under this policy.
However, there are still a few conditions that might apply under comprehensive coverage, and could limit your ability to receive compensation for your losses.
- If water leaks in because you failed to roll up your windows before a storm, then your policy will likely not cover the vehicle damage. You could have prevented this damage, and therefore your auto policy won’t cover it.
- Should the water damage occur due to a flood, or from hail shattering your windows, then your auto policy will likely pay for the damage. You probably did everything you reasonably could to protect the vehicle and prevent this damage.
- Slow leaks that allows water into the car over a long period of time are generally preventable. Therefore, you won’t likely receive car insurance benefits for the damage.
- Deductibles might apply to comprehensive coverage claims. Therefore, if the cost of the vehicle’s water damage falls below the deductible value, then your plan won’t pay for your damage costs.
- If you have customized parts in your vehicle, such as a custom stereo system, then your standard comprehensive coverage might not automatically cover damage to this item.
It’s understandable why losses caused by water damage in your vehicle could worry you. However, if you work with one of our agents to build a full policy with ample comprehensive damage coverage, you’ll be able to receive assistance even in these challenging situations.
If you have any questions about your Dallas car Insurance rates or coverage, then don’t hesitate to give us a call at (877) 669-7675 for advice on the best way to increase your coverage.