Does liability cover flood damage?

my car was in a flood and i read my insurance policy and it says it doesn't cover comprehensive damage. I looked it up to see what it meant and it said comrehensive meant 'accidental damage', but the only things it listed were fire, theft, vandalism, hail, and a few other things, but nothing about water

my car was in a flood and i read my insurance policy and it says it doesn't cover comprehensive damage. I looked it up to see what it meant and it said comrehensive meant 'accidental damage', but the only things it listed were fire, theft, vandalism, hail, and a few other things, but nothing about water damage. do you think they'll help me?

Best Answer:

Chelsea: no. liability pays other people if you hit and damage them or their property. It pays nothing to fix your vehicle.

Other answer:

Chelsea:
No, liability does not flood damage. It does not cover anything that happens to your car. Only comprehensive does, and usually only if it happens by accident while the car is parked. If you drive into a river, that's collision, not comprehensive. If you flood the car on purpose, that's not covered by any type of insurance.

If you have only liability, then flood damage is not covered.

Casey Y:
Flood is comprehensive…read further.

Honestly though, you either buy physical damage coverage for your vehicle (meaning comprehensive and collision) or you don't. If you don't, there is no coverage for ANY physical damage to the vehicle.

Its not a matter of helping you. Its a matter of paying claims per the policy terms…period. The insurance company isn't a person, its a company with a profit motivation. They don't pay claims because they want to help you. They sell you a guarantee to pay a claim if this or that happens….

lucy:
Liability pays for the OTHER vehicle damages and/or injuries if in an accident and at fault. It pays NOTHING for your vehicle.

Collision pays for YOUR vehicle minus a deductible (at fault or not at fault in an accident).

Comprehensive (no fault), pays for theft, fire, vandalism, falling objects, hail damages, FLOOD, or hitting an animal, like a deer. It pay for these minus a deductible also.

Since you did not purchase comprehensive, then NO, insurance won't pay.

coraann:
Liability is if another person is injured. Comprehensive covers most others.
Unless a vehicle is quite old, people carry comprehensive insurance.
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Ryan:
No
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