North Texas storms can drop a lot of rain in a short time, and low spots around Lewisville Lake, area creeks, and county roads can flood fast. The “Turn Around, Don’t Drown” message started right here in Texas for a reason. Beyond the safety risk, a flooded vehicle raises insurance questions that are worth answering before the next big storm.
How Little Water It Takes
According to the National Weather Service, about six inches of fast-moving water can cause a driver to lose control, roughly a foot of moving water can float many cars, and two feet can carry away most vehicles, including SUVs and pickups. Depth is hard to judge at night.
Your Flooded Car Questions, Answered
Is flood damage to my car covered?
Typically, yes, if you carry comprehensive coverage. Comprehensive generally handles flood and water damage to your vehicle, subject to your deductible. Liability-only coverage doesn’t pay to repair your own car.
What if I drove around a barricade?
Texas law prohibits driving around barricades and warning devices that close a road. Ignoring a closure can bring a citation and puts you and rescuers at risk, so the safest choice is to turn around.
What should I do if my car is caught in water?
If water is rising around you and it’s safe to leave, get out and move to higher ground. Once you’re safe, don’t try to restart a flooded engine, since that can cause more damage. Photograph the vehicle and contact your insurer.
Is a flooded car usually totaled?
It depends on how high the water rose and how long it stayed. Many deeply flooded vehicles end up as total losses.
Buying a Used Car After Storm Season
Flood-damaged vehicles sometimes return to the market. A vehicle history report, a title check, and an independent mechanic’s inspection can help you avoid surprises.
Our post on Texas auto insurance requirements covers the basics. Bedrock Insurance Group in Lake Dallas, TX can confirm whether your policy includes comprehensive coverage. Drivers across Lake Dallas, TX and Denton County can reach out to Bedrock Insurance Group anytime.
