![]() Traditionally, an insurance adjuster would take photos of the vehicle, according to Edmonds, but now an insurance company may ask you to join in a Zoom or FaceTime call so that the adjuster can see the damage remotely. Also, a lot of the damage can be electrical that won’t show up in a photo or video.” “Pictures can be helpful to show the extent of the damage. “Car owners should file a claim as soon as possible, particularly with the possibility of mold developing,” Worters says. “In addition, there is the chance of computer modules failing from getting wet, and long-term electrical problems down the road.” “The water can enter this intake and fill your engine cylinders, which can stall the motor or leave the motor unable to turn over and start,” Ibbotson says. On most cars, the intake is at the front, and it brings in fresh air to the engine as you drive. Worters also notes that “with today’s inflation and the tremendous rise in used-vehicle prices, consumers should make sure they have the right amount of auto insurance to protect them.” “If a person has purchased comprehensive coverage (of course, before the storm), they should be covered for hurricane damage-including flooded cars.” “In deciding whether or not to purchase comprehensive coverage, consider the market value of your car, as the coverage cost may outweigh the benefits,” says Ellen Edmonds, a spokesperson for AAA. And there can be a good reason for not adding this to your policy. That leaves many people without this protection. “Comprehensive coverage is generally optional, although your lender may require it if you have an auto loan.” She points out that about three-quarters of people carry comprehensive coverage. Worters, vice president at the Insurance Information Institute. “Flood insurance is covered under the comprehensive portion of a car insurance policy,” says Loretta L. And their compensation will depend on their car insurance coverage. Their car is almost certainly totaled, if it was swamped. ![]() Car owners with a vehicle that was swept up by a hurricane face two hard facts. ![]()
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