The 2018 hurricane season has produced record-breaking and devastating rain and floodwaters, leaving thousands of East Coasters without access to their homes, and their vehicles destroyed. While the stormy season isn’t over yet, the daunting task of rebuilding, for many, has just begun. Even if you weren’t in the path of the storm, you need information to protect yourself from buying a flood-damaged vehicle the next time you are car shopping. With nearly 1 million family and company vehicles damaged or destroyed by the storms so far, the need for new and used cars will be intensified. Arm yourself with information, and use NHTSA.gov to answer your questions.
We recommend that you first contact your insurance company. Once you file a claim, they will be able to help guide you through the process of purchasing a replacement vehicle. If you are looking to purchase a new vehicle, search NHTSA’s 5-Star Safety Ratings, which measure the crashworthiness and rollover safety of vehicles. Five stars is the highest rating, and one star is the lowest.
If you have a policy with the National Flood Insurance Program (NFIP Direct), call 800-638-6620.
Please contact your State’s Department of Motor Vehicles (DMV) to determine whether you can obtain a copy of your title in person at a regional office, or by applying for a certified copy online or through the U.S. Postal Service. State DMV offices may vary slightly in requirements for obtaining vehicle paperwork.
- Hurricane Scam Market: According to the U.S. Federal Trade Commission (FTC), scams often follow the news, and they hit hardest after a natural disaster. Sadly, many scammers are looking to profit off the post-hurricane flood market. Stay smart and alert. If you get a robo-call regarding your vehicle, do not respond. Hang up the phone, and contact your insurance company. If you suspect fraud, call the FEMA Disaster Fraud Hotline toll free at 866-720-5721. You may also report the call to the FTC.
- Understanding a Used Vehicle’s History: If a vehicle is declared “totaled,” it will receive a new title, called a “salvage” or “flood” title. The vehicle will typically then be sold at a salvage auction to junkyards or vehicle rebuilders. It is legal to resell to consumers if the defect is noted on the title, the vehicle has been rebuilt, and the vehicle has received a “rebuilt” title. Be aware of flood-damaged vehicles with clean or “lost” titles. The National Motor Vehicle Title Information System (NMVTIS) can help you trace a vehicle’s title history.
- Odometer Fraud: In the Unites States, it is a crime to alter a vehicle’s odometer. NHTSA estimates that more than 450,000 vehicles are sold each year with false odometer readings, costing Americans more than $1 billion annually. Be prepared to see altered odometers on the market. Learn more about what odometer fraud is, how to spot it, and who to contact if you think you’re a victim.
Scammers looking to make a buck know how to clean up a damaged vehicle. On first appearance, the vehicle may look fine. If the seller is using a fraudulent title, it may be even more difficult to determine whether the vehicle is flood-damaged. However, flood damage can affect a vehicle’s mechanisms for years to come, and may not always manifest into a problem right away. Remember these tips from the Florida Department of Highway Safety and Motor Vehicles for spotting flood-damaged vehicles when shopping around:
- Sniff Test: If the car smells musty, there is a high likelihood it has been exposed to water. If it has a strong smell of deodorizer or air freshener, it is possible the seller is trying to mask the smell of mildew.
- Dirt and Grime: Mud, dirt, or waterlines inside the vehicle are possible signs of flood damage. Don’t forget to check hidden spots for dirt and watermarks, like the trunk, glove box, and under the dashboard.
- Rust and Corrosion: Check under the vehicle to see if there is an unusual amount of rust or corrosion for the vehicle’s age and location.
- Car Seat: Securing a car seat is not always an easy task. Now, have that car seat jostled by Hurricane Florence. If your car seat is in healthy shape, but you need to verify it has been installed correctly take it to a local inspection station. If your car seat or booster seat was destroyed, review NHTSA’s guide for purchasing the right car seat for your child’s age and size. We know car seats can be expensive, so if you’re thinking of purchasing a used car seat, use NHTSA’s used car seat safety checklist.
- Equipment for Drivers With Disabilities: For drivers with disabilities, finding the right vehicle to meet your needs can take time. If the equipment in your vehicle was damaged during the flooding, you must begin this process all over again. Review NHTSA’s recommendations for finding a qualified mobility dealer to help make safe, legal modifications to your new vehicle.
- Tires: Rubber tires should hold up well in water, so the main culprit here may be road debris. Flood waters often drudge up bits of material that can be harmful to your tire. If you are driving around flood-affected areas, frequently inspect your tires for air leaks. When buying new tires, review NHTSA’s tire-buying guide for information on treadwear, traction, temperature, and more.
- Battery in My Hybrid or Electric Vehicle: The batteries in hybrid and electric vehicles are highly corrosive and should not be exposed to the standing water a flood would provide. If you suspect your battery has been damaged, contact your dealer to see whether they have the item in stock.
Don’t forget to mention any of these damaged vehicle components to your insurance company.