If you have a flood-damaged car in New Jersey and need to report a claim to Plymouth Rock Assurance, you may do so online.
It’s not uncommon that cars may be inundated by floodwaters in the Garden State. After all, the state has 130 miles of coastline — not to mention all of those rivers, lakes and wetlands. If your car has been flooded, here are steps to take and important information to consider.
Put your personal safety first. Remember, it’s never safe to drive or walk in floodwaters. The Centers for Disease Control and Prevention reports that more than half of all flood-related drownings occur when a vehicle is driven into hazardous floodwaters. The next highest percentage of flood-related deaths is due to walking into or near floodwaters.
Do not attempt to start the car. If there is water in the engine, attempting to start it can cause damage beyond repair.
Review the damage.
- Determine how deep the car was submerged — it is possible that water did not enter the passenger compartment or any parts susceptible to damage.
- Determine what kind of water your vehicle was in — salt water is more corrosive and can cause more serious damage.
- Check the oil indicator. A reading that’s too high may indicate there is water in the engine.
Take photos of the vehicle and the surrounding area. This may help with processing your insurance claim.
Get in touch with your insurance company immediately. Flood damage to your automobile is covered under comprehensive coverage. It is important to note however, that if you only have liability insurance, flood damage to your car is not covered. If you’re not sure, contact our company or your local agent if you have questions about your coverage.
While damage to your car is certainly a stressful experience — dealing with your insurance company shouldn’t be!