There was a big flood, I drove through a flooded street and the water damaged my engine. What does my AAA car insurance cover?

UPDATED: Aug 11, 2014

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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

UPDATED: Aug 11, 2014Fact Checked

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 11, 2014

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

UPDATED: Aug 11, 2014

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

UPDATED: Aug 11, 2014Fact Checked

If your car was damaged due to a flood and you have full coverage, your insurance company will pay to repair the vehicle less your deductible. If the car is repairable, then they will pay for the repairs to the car. If the water damage caused damages to the computer system, then the car may not be repairable and the car will be considered a total loss. Your deductible will still apply.If the car is a total loss the insurance company will only pay the actual cash value of the car. This may not be sufficient to pay off the lease on the car so you may still owe money to the leasing company. It depends upon the age of the car and how long you have been paying on the lease as to whether you will have enough coverage to pay off the lease. If you feel the amount offered for a total loss is not enough then you must prove the value of the car is higher. You can do this through local ads for a similar car.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

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