Water Damage to a Vehicle

How to prevent damage to your vehicle during a flood
If water rises due to a storm, sudden overflow from a nearby body of water, or other extreme weather event and floods your parked vehicle, the damage would typically be covered under the optional specified perils, comprehensive, or all-perils section of your car insurance policy. If you drive your vehicle into standing water, damage will likely be covered under the collision section of your policy, which is also an optional coverage. But it’s your responsibility to take care of your vehicle — so if water damage is caused by a slow leak due to poorly maintained sealing around windows and doors, for example, you will likely be responsible for covering the cost of repairs on your own.