"The summer may be winding down, but the fact remains that heavy rains are still likely to strike many parts of the country, and could potentially cause major problems for drivers there. One issue many consumers may not know about is how heavy rain or major storms - and the eventual flooding they sometimes cause - could impact their auto insurance liability. For this reason, it might be wise for auto insurance agents to make sure their clients fully understand the risks they might face given their specific geographic areas, and the potential weather problems that could impact them in the next few months. Hurricanes and tropical storms along the east coast and heavy rains in the Southwest could still create major potential for flooding in those parts of the country, and while many consumers are aware of the need to have additional protection for this kind of incident on their home insurance policies, that might not be the case when it comes to their auto insurance, according to a report from Phoenix television station KTVK. As such, it's just as important now as it ever was for drivers to make sure they are fully covered come what may. There's good news Fortunately, experts say that most auto insurance policies have this kind of protection built into them, the report said. However, every insurance company may cover this kind of situation - as well as others - differently, so consumers will still have to acquaint themselves with how this kind of weather incident would end up impacting them going forward. ""Under the comprehensive portion of your auto insurance policy, your vehicle will be covered by insurance in case of a flood or if you get caught in a flood or flooded roadway,"" Nicole Farr, of the Arizona Insurance Council, told the news outlet. The more insurance agents can do to make sure clients fully understand the policies they pay for - and where these might fall short in comparison with their assumptions or expectations - the more likely they are to see higher customer satisfaction and improved ongoing relationships. Further, because adding on flood insurance protection to existing auto plans might be somewhat more costly (a prospect most consumers probably won't like to welcome), the ability of an agent to find the occasional discount as a means of offsetting the increases could likewise go a long way."