Yes, if you carry Comprehensive coverage. Comprehensive covers flood, hail, falling trees, wind, and theft.
Liability-only policies, including Tennessee’s minimum coverage, don’t pay for damage to your own car. Flood-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.
When severe storms or flash flooding are in the forecast, move vehicles to a garage or higher ground if you can do so safely, and never drive through flooded roads.
Questions about your own policy? Ace Insurance Consultants in Knoxville helps homeowners and drivers across Tennessee compare options from multiple carriers.
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