Does Car Insurance Cover Flooding in New Jersey?

When you're a driver, there are a lot of different risks on the open road. If cruising the streets is your jam, you'll need to be aware of the coverage necessary in your state and what's included. New Jersey car insurance may have protection against flooding if you know where to look.

Fortunately, a New Jersey independent insurance agent can help quote your policy through a network of  highly rated carriers. They'll compare coverage, so you get a fair price. Connect with a local expert to get started in minutes. 

What Is Car Insurance?

In New Jersey, you're required by state law to carry car insurance before you hit the roads. How much coverage and what kind is a different story. Take a look at how car insurance can help against a flood:

• Car insurance: Pays for bodily injury, property damage, and liability losses when you're involved in a car accident. Coverage comes with several options to protect against severe damage like flooding.

Estimated annual car insurance premiums in the US, by state

While every driver will have a different premium, it's good to know what the averages are. The types of coverage you select will have an impact on this, among other things. 

What Does Car Insurance Cover in New Jersey?

When you drive in New Jersey, you'll have to abide by the legal limits necessary to operate a moving vehicle. Check out the minimum auto coverage amounts in New Jersey:

• $15,000 for each person injured in an accident
• $30,000 maximum for the entire accident
• $5,000 of coverage for property damage

What Doesn't Car Insurance Cover in New Jersey?

In New Jersey, 14.9% of drivers are without car insurance. This makes it even more critical to have the right coverage on your policy to fill the gap. Check out limits you'll want to consider when choosing a policy:  

• Comprehensive: Pays for physical damage to your vehicle when an accident with severe weather, hail, or animals occurs.
• Collision: Pays for physical damage to your vehicle when an accident occurs with another object that's your fault.
• Uninsured/underinsured motorists: Pays for bodily injury and property damage when you're involved in an accident with an uninsured or underinsured motorist.
• Towing and roadside assistance: Pays for a tow when your car is stranded.
• Rental car: Allots a specific amount for a rental vehicle while yours is being repaired or replaced due to a covered claim.

Does Car Insurance Cover Flood Damage in New Jersey?

Flood damage to your home is only covered by a separate flood insurance policy. However, when it comes to your car insurance, you can add limits under your auto policy. Comprehensive coverage will have to be obtained to get protection against flood damage to your vehicle.

How to File a Car Insurance Claim for Flood Damage in New Jersey

If you have a loss to your car, it can be confusing to know what comes next. Instead of being left in the dark, there are some steps you can take to get proper guidance.  

Major flooding events in the US, by economic cost 

There are four easy steps you can take when flooding damages your vehicle in New Jersey. Check out the following to file a car insurance claim:

• Step 1: Get to a safe place.
• Step 2: Call your independent insurance agent.
• Step 3: Obtain information from your agent about how to get a temporary replacement vehicle.
• Step 4: Set up a meeting with your assigned adjuster .

How an Independent Insurance Agent Can Help in New Jersey

New Jersey car insurance is mandatory, but optional coverages are not. When you need protection against a flood, you'll have to add it. Consider consulting with a licensed professional for free, so there are no gaps in coverage. 

A New Jersey independent insurance agent has access to a network of markets, making it easy to find protection. They'll even do the shopping for you at no cost so that you can rest easy. Connect with a local expert on trustedchoice.com for tailored quotes today.