There are a large number of things that are covered on your auto policy, there are also a large number of things that are not covered on your basic policy. The real key is to find out just what is covered. If you live in the Charlotte, NC area the agents with Jim Boyce Insurance can help you find out just what your policy covers.
For starters, almost no auto policy that is a basic policy is going to cover hurricane damage. The reason for this is that hurricanes are a relatively localized event. They do not happen in rural Idaho for instance so they would not need to be added to a basic policy that applies to car all over the country. If you are experiencing hurricanes, you are going to need to alter your coverage to reflect that.
Another factor that affects if flood damage is covered or not is how exactly the damage occurred; a good example of this is if you leave your window down and it is raining versus your car engine being bogged down by water that rose suddenly. The insurance company will take the time to investigate the damage and see just what caused it and if it was, in fact, avoidable or not.
The first step with flood damage is to get your car dried out immediately. The faster it gets dried out, the less damage there is overall. If you get your car dried out quickly you can avoid a total loss and work on just getting the existing damage repaired. If you live in the Charlotte, NC area, the agents with Jim Boyce Insurance can help answer all your questions and get your policy set up to cover all possible issues that might arise.