Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 14, 2010

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Insurance Question from Edmond, OK

Asked on 06/14/2010

In Okla, if I file a claim for flood damage to auto, does this count against me / my rates? More than like the area will be declared a disaster area. NULL

Answer given on June 15, 2010

While disaster claims are not considered by insurance companies when they review claims, these types of claims, called a comprehensive claim, are not counted against a policyholder by the insurance company.  These types of claims are regarded as something that you have or had no control over its occurrence.  Your rates will not be affected for this type of claim.

I do recommend that you work very closely with your agent and company regarding flood damage to the auto.  Water damage is very difficult to completely repair and you could have continuing problems with a car that has been in a flood.  Insurance companies are very likely to consider a flooded car a total loss rather than try to deal with problems down the line.  You may decide you want to buy the car back from the insurance company but if you do you may have problems getting insurance on the car going forward, due to the flood damage.


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