Blogs and Resources - LA Insurance

Car insurance covers flood damage only when you have comprehensive coverage on your policy. This part of your auto insurance is designed to protect your vehicle from rising water, storm surge, or a sudden natural disaster. Liability or collision will not help in a flood. If you want protection from water damage, make sure comprehensive coverage is included in your car insurance.

Yes. You can carry two auto insurance policies at the same time. That can happen in a few different ways, and the rules that apply depend on the situation. Some drivers insure a single car under two policies. Others carry separate policies for different vehicles. Still others end up listed on someone else’s policy while also carrying their own.

Car insurance does not automatically cover every traffic accident. But in many situations, your policy can extend coverage to another driver. This usually happens when the person driving your car has your permission, is properly disclosed to the insurer, and does not fall under an exclusion.