Drivers with car insurance whose cars have been flooded may be covered for more than they think. The Better Business Bureau and Insurance Information Institute recommend that all car owners read their car insurance policy closely or they will miss out on reimbursements or other benefits they are entitled to when disaster strikes.

This coverage provides immediate access to a replacement rental car until repairs are made to their flooded car or they are authorized by their insurance company to purchase a new car.

Drivers whose cars are totaled may not have to continue making payments on the balance they owe on the car if their auto insurance included gap coverage. This coverage pays the difference between the amount the insurer pays for the totaled car and the amount the insured owes on their lease or loan. Expect your insurance adjuster, claims representative or repair facility appraiser to review the damage with you and explain the repair process, including the use of original or generic auto parts.

Ask about warranties on repairs. Obtain insurance from companies, independent brokers or direct marketers that have a proven track record of handling auto insurance claims effectively.