Yes, if you carry Comprehensive coverage. Comprehensive covers flood, fire, falling trees, hail, and theft.
Liability-only policies, including California’s minimum coverage, don’t pay for damage to your own car. Flood- and fire-damaged vehicles are often declared a total loss, and Comprehensive pays the car’s actual cash value minus your deductible. Your homeowners and flood insurance policies don’t cover vehicles.
Before a big atmospheric river storm or during a wildfire evacuation, move vehicles to higher ground or out of the area if you can do so safely, take photos, and never drive through flooded roads.
Questions about your own policy? Elye Insurance in Mission Viejo helps homeowners and drivers across California and Nevada compare options from multiple carriers.
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