Can a car be compensated for being flooded without waterlogging insurance but with vehicle damage insurance?
3 Answers
As long as the car owner has purchased vehicle damage insurance, the vehicle can be compensated for being flooded even without waterlogging insurance, but the compensation rules vary depending on different situations. Here is a detailed introduction about vehicle insurance: 1. Overview: Vehicle insurance, also known as motor vehicle insurance or auto insurance, refers to a type of commercial insurance that covers personal injury or property damage caused by natural disasters or accidents to motor vehicles. 2. Others: Auto insurance is a type of property insurance. In the field of property insurance, auto insurance is a relatively young type of insurance. In the early stages of auto insurance, the main coverage was third-party liability insurance for vehicles, which gradually expanded to include risks such as collision damage to the vehicle body.
I've had a similar experience. Last year during heavy rain, my car got flooded. At that time, I only had vehicle damage insurance without water ingress coverage. The insurance adjuster came to inspect and said they could cover water damage to the body like interior and electronic components under the vehicle damage policy since it covers natural disaster damage. However, engine water damage was an additional cost I had to pay myself because standard vehicle damage insurance doesn't include engine protection. They recommended I add water ingress coverage immediately - it only costs a few dozen yuan per year and can save major headaches. When rainy season came, I learned to avoid deep water areas and park on higher ground to prevent unexpected financial losses.
As a seasoned driver with over a decade of experience, this kind of situation is common. Without flood insurance and relying solely on collision insurance, insurers typically cover external damage like rusted bodywork or short circuits when the car is submerged. However, engine water damage is problematic and would require paying out of pocket. In collision insurance terms, engine water damage is an excluded item. When renewing insurance annually, I make it a habit to review and add a small rider—it's affordable and provides peace of mind against sudden heavy rains. When encountering waterlogged roads while driving, detour instead of forcing through. If the engine stalls, don't restart it to avoid escalating the damage.
