Flood-damaged cars could reach the market. Here’s how to avoid buying one

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Some flooded cars may have the damage noted on their title, although not all do — which makes it important to carefully vet a used car's history.

Buyers should always check a used car's "vehicle history report" to make sure they know what they are buying, regardless of when or where they make the purchase. Flooded cars often end up for sale in places far from where they originally were damaged.

Basically, when an insurance company receives a claim for a flooded car and the vehicle is totaled — meaning the repairs would cost more than the car's worth — the car's title generally is changed to reflect its status. Unfortunately, following major hurricanes or flooding events, we see fraudsters try to scam consumers by selling cars damaged in the flooding.However, not all car owners file an insurance claim. If they don't have comprehensive coverage — the part of car insurance that flooding would fall under — they're generally out of luck. This means that with no insurance company involvement, the flood damage may not end up officially recorded anywhere.

 

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