How flooding impacts your car
Flooding can be costly for homeowners. It can also be costly for car owners if their vehicle becomes flooded and needs repairs. Learn more about common problems with flooded cars and how they can impact your auto insurance.
If your vehicle has been hit by high waters, there can be a series of issues ranging from a flooded engine to electronic malfunctions.
Flood damaged cars
If you suspect your vehicle or a vehicle you’d like to buy has been affected by flooding, investigate these issues:
- Flooded engine
- Flooded transmission
- Flooded drive train
- Malfunctions to the electronic functions (short-circuiting wires, lights on the dashboard not working, etc.)
- A musty odour inside the car
- Damp carpets
- Discoloured upholstery
- Corroded car parts (under the dashboard, screws, doors, etc.)
- Airbags not working properly
- Anti-lock braking system (ABS) not working properly
- Malfunctions to the ventilation system
Most flood-damaged vehicles are considered unsafe and undrivable. If you think there is a chance it can be repaired, speak to a qualified mechanic.
Flood damage and your auto insurance
If there is severe water damage to your vehicle, it may not be eligible for coverage.
When looking for car insurance, some insurance providers may offer comprehensive, specified or all perils coverage. This can help provide coverage in the event of damage or loss caused to your vehicle in situations other than collisions, which may include flood damage. For example, if your vehicle was parked and submerged by water, the loss may be covered under this kind of coverage.
How to prevent flood damage to your vehicle
- Avoid driving through flooded areas. Some pools of water may not seem deep, but it’s best to avoid them altogether if possible.
- Try to park your vehicle on higher ground if you know the weather forecast calls for torrential rainfall.
- Lock and close doors and windows when you leave your vehicle.
Review your auto insurance policy to make sure you’re protected against the unexpected.
See when severe weather is on the way
Severe weather has become more frequent and extreme over the past few years. These conditions can wreak havoc on your property. To help you prepare for these events, The Personal offers you RadarTM, a new severe weather alert service, via our mobile app.
For more on this topic
What is your vehicle’s dashboard telling you?
RadarTM is a trademark of Desjardins General Insurance Group Inc., used under licence.
These tips are provided for information and prevention purposes only. They are general in nature, and The Personal cannot be held liable for them. We recommend using caution and consulting an expert for comprehensive, tailored advice.
Certain conditions, limitations and exclusions may apply. The terms and conditions of the coverages described are set out in the insurance policy, which always prevails.
Auto Insurance is not available in Manitoba, Saskatchewan and British Columbia due to government-run plans.