Insurance Blog

Our East Coast location makes residents and their belongings vulnerable to storm surges and water damage from tropical storms and hurricanes. Many vehicle owners wonder what will happen if their car is not protected by a garage in Jacksonville, FL, and sustains flooding damage. Skyline Insurance LLC can help you select an auto insurance policy that covers such damage.

You Must Have Comprehensive Insurance

Every insurance company writes policies differently. However, if you want coverage for flooding, you must include a comprehensive option, as basic liability insurance does not. Understanding what your policy covers is essential, especially if you live in a flood-prone area. Comprehensive insurance covers damage to your vehicles outside your control, including floods, tropical storms, other natural disasters, falling objects, theft, and vandalism. Generally, your car must be parked when the damage, including flooding, occurs. Most policies will cover flooding damage minus the stated deductible.

What is Covered?

If your vehicle has been involved in a flood, comprehensive insurance will help pay for repairs or, in some cases, replacement if the insurer deems the car a total loss. You can expect protection against water damage to the engine, the vehicle’s electrical system, transmission, and other vital components, along with rust and mold resulting from water exposure. Electronic devices you may have installed after buying your auto are usually not covered. These include:

• GPS devices
• Audio equipment
• Scanners and CB radios
• Video game and movie systems

Some policies may limit the payout for damage, so read your policy carefully to determine if you can buy additional coverage.

Contact Skyline Insurance LLC, serving Jacksonville, FL, to review your insurance coverage for flooding. Our agents will gladly recommend options to adequately protect your vehicles when a natural disaster occurs.

When shopping for car insurance, asking the right questions is crucial. Such queries help you choose both the correct agent and the appropriate insurance product.

At Skyline Insurance LLC, servicing Jacksonville, FL, we help drivers find car insurance that matches their needs. When calling for car insurance, consider asking the following four questions.

1. What’s the legal requirement in my state?

Every state has different car insurance requirements. Knowing what these requirements are helps you stay legally compliant when driving. People often opt for more insurance coverage than their state’s minimum requirement to safeguard themselves financially.

A competent insurance agent can inform you about the legal requirements and advise you on enhancing your policy for increased protection. Talk to your insurance agent to find out more.

2. What is the deductible?

The deductible is the amount you must pay before your insurance policy begins to cover expenses in a claim. Deductibles may vary. Lower deductibles make it easier to file a claim but may also increase your premium.

3. What happens if my car is stolen?

Some car insurance policies will pay to replace your car if it’s stolen, while others do not. Knowing if the policy you’re considering provides such coverage is useful if you’re interested in additional coverage.

4. What is the cost?

Although cost is not everything regarding insurance, it’s essential to ensure that your chosen policy is affordable. Inform your agent at Skyline Insurance LLC, servicing Jacksonville, FL about your budget. They can shop around to help you find the best coverage at the most reasonable price.