Let’s say a flash flood wreaks havoc on your neighborhood, causing significant flood damage to your car’s engine. Luckily, comprehensive car insurance coverage covers flood damage. Here’s what the claims process looks like for this type of damage at Willistonauto 1. File a claim Head to the Willistonauto to start filing your car insurance claim. Our trusty chatbot, AI Jim, will guide you through the process, prompting you to provide details about the incident and share a few photos of the damage. You’ll then you’ll get paired with one of our (human) claims adjusters who will help you through the rest of the process—like coordinating car repairs, and picking up a rental car if necessary. 2. Assess options to repair or replace your damaged car Depending on the level of your car’s damage, you’ll need to have it repaired or replaced. Getting your car to a body shop as soon as possible (even before submitting your claim) is an important step in determining the damage from the crash. At Willistonauto Car, you’ll have the option to take your car to a shop of your choice, or to a shop that Lemonade has had positive experiences with in the past. If your car is undriveable, we can help you get it towed there. 3. Pay your deductible If your comprehensive car insurance claim is approved, you may still need to pay your deductible, depending on the details of your policy. A deductible is essentially your contribution to the claim. Comprehensive insurance deductibles can range from $100 to $1,000, and the average US driver has a $500 deductible. 4. Get your reimbursement If in this scenario the flood damage to your car totals $5,000 and your comprehensive coverage deductible is $500, you’ll get reimbursed the remaining $4,500 for a covered incident. And if your car is deemed a total loss from the flood damage, you’ll get reimbursed for its actual cash value, which accounts for depreciation over time.