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

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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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UPDATED: Aug 11, 2014

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Insurance Question from Rochester, MI

Asked on 08/11/2014

There was a big flood, I drove through a flooded street and the water damaged my engine. What does my AAA car insurance cover? I have full coverage with a $500 deductilbe with AAA Michigan and my car is a lease. I was driving during the heavy storm in Michigan today, the flooded city streets were too deep and my car's engine started to make noises due to the water. I stopped driivng it and it is able to be driven, however, it makes a noise and I don't think it is safe. With my full coverage insurance, would this be a covered claim where I would only need to pay the deductible and my AAA insurance would cover the rest?

Answer given on August 14, 2014

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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