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What to Do If Your Car Floods in PA 

Water is essential to sustain life, yet it can be devastatingly destructive to your home, property or vehicle. If your car has recently been affected by a flood, there are some very important do’s and don’ts to remember. When you experience a traumatic situation such as a flood, anxiety can run high, and there are a lot of important decisions to be made. Read on so that you will know what to do if your car floods.

DO: Call Your Insurance Carrier

If the floodwater has come close to reaching the top of your tires or higher, it would be safe to assume your car has some water damage as a result of the flood. If you are able, take pictures and document the date and timeline of the flood. The more information your insurance carrier has to work with concerning your claim, the more efficiently your situation can be resolved. If you carry comprehensive coverage on your auto policy, damage to your car as a result of floodwater may be covered by your insurance carrier. Review your insurance coverage with your representative in order to determine if you have coverage and to prepare for any deductible you may need to pay. 

DON’T: Start Your Car

After a flood, you may be tempted to see if your car starts, but trying to start your car could be the worst thing you could do. It is critical that you DO NOT attempt to start your engine after your car has been flooded! Further damage can be done, especially if your car has been submerged in salty or muddy water. Starting your car following a flood may allow the water to flow into various components of your vehicle, further extending the damage.

DO: Assess the Damage

If flooding is severe, you may be forced to abandon your car and return after the floodwaters have receded. Do your best to locate a high-water mark; this will be crucial in establishing which parts of the car have come in contact with water and which parts of your vehicle have remained dry. Locating a watermark will also be helpful information for your insurance representative for assessing the extent of possible water damage.

DON’T: Move Your Car

While it may seem obvious, do not try and tow your car out of a flooded area unless the waters have completely receded. For one, you would be introducing another vehicle (even if it’s larger) to floodwaters and their associated risks. Also, even if a larger vehicle such as a pickup truck or tow truck sits high enough to navigate floodwaters, either the front or rear end of your car will dip toward the ground surface during a tow connection, risking further water damage. At some point, you’ll probably need to have your car towed from the flood zone. However, it’s safer and wiser to be patient and wait for floodwaters to recede.

DO: Start Cleaning Up

Regardless of the extent of damage, you’ll need to start cleaning your car out. You will probably have some personal belongings and documents such as insurance card, registration, etc. that you will not want to leave behind. Be prepared to smell an unpleasant odor, especially if your car has been submerged in muddy or salty waters. Maintaining a positive outlook about your car’s repair, you’ll want to get things cleaned up soon. Keep in mind, however, that there is a real possibility that your car could be totaled. Before you invest time and effort in a cleanup, it is best to involve your claims adjustor to assess the extent of the damage. Your claims representative can advise you on next steps regarding repair or cleanup if the vehicle is not deemed a total loss.

Final Thoughts on What to Do If Your Car Floods

Depending on the extent of water damage, mileage, year, make and model of your car – you may be faced with an important decision. Has your insurance carrier informed you that your car has been totaled? Is the damage repairable, and, if so, at what cost? It is critical that you have a relationship with your insurance carrier built on trust. If you’re a Plymouth Rock policyholder who has recently experienced a flooded car, a friendly representative with Plymouth Rock can help you review your car insurance policy and guide you in making decisions that are in your best interest. And if you are shopping for a new auto insurance policy, call Plymouth Rock today to take advantage of flexible coverage options, exceptional service, knowledgeable representatives and exclusive affinity programs that could offer you substantial savings! You can also find more information here about how to find affordable car insurance, how to compare companies to find the best rate and discounts that you should take advantage of when they are applicable to you.

Plymouth Rock Assurance is a marketing name used by a group of separate companies that write and manage property and casualty insurance in multiple states. Insurance in Pennsylvania is underwritten by Palisades Insurance Company, Palisades Property and Casualty Insurance Company and High Point Preferred Insurance Company.

Call 855-993-4470, get your free quote online, or find an agent to learn more about what to do if your car floods.  Visit our contact us page if you need to call us with additional questions.