Which type of car insurance would cover damage from a flood?

Comprehensive insurance is designed to cover damage to your vehicle that is not caused by a collision. This includes a wide range of events such as theft, vandalism, fire, and natural disasters like flooding. If your car is damaged due to a flood, comprehensive insurance would typically cover the repair costs or the value of the vehicle if it has been totaled.

Liability insurance only covers damages you cause to other people’s vehicles or property and does not provide coverage for your own car. Collision insurance specifically covers damage to your car resulting from a collision with another vehicle or object, but it does not cover non-collision incidents like floods. Personal injury protection is focused on covering medical expenses for you and your passengers after an accident and does not apply to vehicle damage.