1. How will I know if my car is a total loss?This determination varies according to state law as well as your car insurance company's guidelines. No matter what, you must have comprehensive insurance coverage for your car to be repaired or replaced after flood damage. You will owe your chosen deductible. Liability or collision coverage will not apply in cases where a car is flooded. In general a car is determined to be a total loss when:
- It's so severely damaged it cannot be safely repaired;
- It costs more than the worth of the vehicle to repair it; or
- The amount of damage or cost of repairing the vehicle is too much, according to state regulations or the insurer's guidelines for total loss.