What to Do If Your Car Gets Stuck in a Flood, According to Condusef

When a vehicle becomes trapped in a flood, it poses a significant risk to the safety of occupants and can cause severe damage to the car. Mexico's National Commission for the Protection and Defense of Financial Users (Condusef) has issued recommendations for drivers facing such critical situations.

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The first thing you should do if you find yourself in a flood is get to safety and try not to move your car.

Condusef advises drivers to prioritize safety and attempt to avoid moving their vehicle if it becomes stuck in floodwaters. The commission highlights two types of auto insurance policies that offer coverage for flood damage: "Broad Coverage," which includes material damage, total theft, and civil liability, and "Limited Coverage," which covers total theft and civil liability. Both can provide compensation for flood-related damages, alongside other natural phenomena.

If a policy only covers civil liability, Condusef recommends obtaining at least Limited Coverage as a preventive measure. Crucially, the commission stresses not to move the vehicle, as insurers might deem it an "aggravation of risk" and it could potentially damage the engine. Drivers should seek a safe location, preferably exiting the vehicle if it is safe to do so, and contact their insurance provider immediately. Emergency services should also be contacted if anyone is in danger.

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Do not move the car, as the insurer could consider it an aggravation of risk. Furthermore, it can affect the engine.

To prevent such scenarios, Condusef urges drivers to take precautions during rainy seasons. This includes checking weather forecasts before departing, especially if heavy rains or storms are expected. Drivers should also avoid routes known to be prone to flooding, such as underpasses, rivers, or areas near streams. Maintaining the vehicle in good condition, with regular checks of brakes, tires, and windshield wipers, is also essential. Driving cautiously, reducing speed, increasing following distance, and avoiding sudden maneuvers are key safety practices. Additionally, carrying an emergency kit with necessary tools and survival items is recommended.

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Contact the insurer immediately. If necessary, contact emergency numbers if someone is in danger.