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Car Damage Assistance Through FEMA

How to submit a claim for car damage:

Anyone who had a car damaged or destroyed by the flooding in the Parishes designated for FEMA Individual Assistance may be eligible for federal help.

Those who may be eligible include not just residents of the designated Parishes, but also those who were working or visiting those areas and had disaster-related damage to their vehicle during the tornadoes.

  • The damaged vehicle must have complied with applicable state laws regarding title, vehicle registration and insurance requirements at the time of the damage.
  • Only those who maintain at least liability insurance will be considered to receive federal disaster assistance to repair or replace their vehicle. Liability coverage is the minimum insurance requirement for Mississippi drivers. Liability insurance policies do not cover storm-related damage. Survivors who register must submit proof to FEMA that they maintain liability coverage to be considered for federal disaster assistance to repair or replace their car.
  • Survivors who have a comprehensive policy should first file a claim with their insurance company. Comprehensive policies usually pay for storm-related damage to a car. However, federal disaster assistance may help fill in the gaps for those whose comprehensive insurance coverage does not pay for any or all storm-related damage costs.
  • Homeowners and renters may be eligible to borrow up to $33,000 to repair or replace personal property, including automobiles damaged or destroyed in the disaster.
  • Keep documents. Federal disaster assistance is reimbursed to survivors only if their car had damage during the severe FLOODING. Survivors must submit an itemized document that shows damage to the car is FLOOD-related and a receipt, estimate or verifiable bill of the repair or replacement costs.

FOR SMALL BUSINESSES

  • Survivors need to return a completed U.S. Small Business Administration disaster-loan application. After registering with FEMA, the SBA will contact many survivors concerning disaster loan applications. It’s important for survivors to submit their application.
  • FEMA grants to repair or replace a vehicle must clear the SBA disaster loan process. A survivor may receive a grant from FEMA to repair or replace their car if insurance is insufficient and they were declined for an SBA home loan. Grants do not need to be repaid.
  • Keep documents. Federal disaster assistance is reimbursed to survivors only if their car had damage during the severe FLOODING. Survivors must submit an itemized document that shows damage to the car is FLOOD-related and a receipt, estimate or verifiable bill of the repair or replacement costs.

FEMA officials advise anyone whose vehicle was damaged during the flood to register for assistance.

Register with FEMA online at DisasterAssistance.gov or by calling (800) 621-FEMA (3362) or TTY (800) 462-7585, or register with a smartphone or tablet at m.fema.gov.

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