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After Harvey: do you have the right home and car insurance?

Conception Casa, center, and his friend Jose Martinez, right, check on Rhonda Worthington after her car became stuck in rising floodwaters from Tropical Storm Harvey in Houston, Texas, Monday, Aug. 28, 2017. The two men were evacuating their home that had become flooded when they encountered Worthington's car floating off the road. (AP Photo/LM Otero)

SAN ANTONIO – New numbers show when Hurricane Harvey hit Texas, not enough people had the right insurance for their cars and homes.

The Insurance Council of Texas says it’s a wake-up call for the next time weather hits.

San Antonio didn’t get the 50 inches of rain Harvey dumped on the Houston area. But hail, tornadoes and flash floods are all too common in our area.

The council tallied the vehicles damaged by Harvey. Around 250,000 vehicles did have insurance, but an estimated 40,000 did not.

And here’s something else to think about: the council says 25% of drivers in Texas don’t have comprehensive insurance. They may have liability only, because it’s sometimes cheaper.

But experts warn liability coverage doesn’t help you in bad weather because new technology in cars has changed the game.

“A bumper used to be $250,” explains USAA spokesperson Rich Johnson. “Now it could be thousands of dollars because you have a back-up camera, you have rear sensors. Cars have just changed so much and they're getting more and more expensive to repair."

The Insurance Council of Texas found up to 90% of newer models damaged in Harvey were totaled because computer sensors and software got wet.

The council also found not nearly enough people have flood insurance for their homes, and recommends investing in the extra coverage even if you don’t live in a flood plain. For example, even something like construction down the street can change the landscape just enough to flood your home.

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