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Car insurance companies in Kentucky and other states will not normally cover flood damage to your vehicle. Most will not cover a sink hole or the flooding of the garage. But, if you have flood insurance coverage, you may be able to fix your car without paying for a repair cost, depending on the type of flooding and how extensive it is.Flooding can happen for many reasons, such as the structure of your home shifting due to high water levels, a tree falling on the house, or even a river bursting through a dyke overtimes. If a flood does occur, you want to make sure you have comprehensive insurance to repair costs and get covered for any eventuality. Your car insurance will also help cover your liability should someone get hurt because of your flooding damage. In addition, your auto insurance may help cover expenses in case you are sued by victims of your flooding.Comprehensive car insurance can provide you with the most benefits when flood damage occurs. This kind of policy pays to repair your vehicle due to flood damage. Insureinfoq will also pay all expenses for medical care of the people who are hurt in the incident, and it will also pay for the legal costs involved. However, this will only cover the total loss and not the deductible that you had for your car insurance.The term 'total loss' is what your insurance policy will refer to as the amount of money the policy holder loses due to the flood damage. In order for your insurance company to decide on the total loss figure, they will take into consideration the market value of the property, and any personal items. This will also include the depreciation value of whatever was damaged. The actual cash value will be determined by evaluating the worth of everything at the time of the incident. Your comprehensive insurance will then take care of the rest.Floods occur very frequently in many parts of the world. Generally, they happen because a natural disaster has caused a buildup of high water levels in the area. It's not uncommon to see flooding in areas where agriculture or industry has recently been taking place. As people living in those areas find their homes increasingly submerged under water, they will begin to take action to rebuild. As the insurance company will know, though, you won't be able to do much to fix your vehicle unless you have comprehensive insurance.With comprehensive car insurance, the policy will pay to repair your vehicle. It may be a good idea to consider this option, if you plan to keep your car. It may also be a good idea to purchase flood damage kits, so you can make your home safer in case the water comes. When you have a kit in place for when water comes in, you will be able to get to safety before the water seeps in, and may save your home. If you're unlucky enough to find yourself in a situation where you must make a quick recovery, your car insurance policy should cover the cost of fixing your car.Sometimes you just don't have flood insurance, either because your area doesn't get floods very often or because you don't need the coverage. For these situations, you'll probably want to purchase liability flood insurance. This kind of coverage will cover damage to a property, but only if it's caused by an act of God. If your flood insurance is going to cover damage caused by a "fire" or other similar occurrence, then you'll be out of luck.Whether you need to have flood insurance or not, it's always a good idea to purchase auto insurance at all times. In addition to being required by law, it's important to have the coverage. If you have it, you won't be sorry. It will provide financial protection in case something happens, like a flood or a fire, that ends up costing you lots of money.