Can a Flooded Car Be Covered by Insurance?

1 Answers
DiAubree
07/29/25 9:08pm
Flooded cars can be covered by insurance. Even if no accident occurred, insurance companies will compensate for water damage under the vehicle damage insurance. There are three scenarios for claims when a vehicle is flooded, as detailed below: With vehicle damage insurance: If the vehicle was flooded while parked, the insurance will cover the full cost of repairs. Stalling and flooding while driving: If the vehicle has water ingress insurance, the insurance will cover the damages; without water ingress insurance, only parts other than the engine will be compensated. Damage caused by forced starting: If the engine is damaged due to forced starting, the insurance will not cover the claim. When a vehicle is flooded, the first step is to take photos as evidence, then promptly call the insurance company to report the incident and file a claim.
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