Can Flood-Damaged Cars Be Insured?
2 Answers
Flood-damaged cars can be normally insured. Here is relevant information about flood-damaged vehicles: 1. Introduction: Flood-damaged cars refer to water-soaked vehicles that are sold to used car markets across China through certain channels. 2. Claims: The main losses caused by heavy rain to vehicles include waterlogging damage, losses to vehicle seats and circuits, collision damage occurring when vehicles float in water, and towing/rescue expenses. The insurance coverage for water-damaged vehicles includes towing fees, rescue costs, and repairs to in-car electronic components caused by heavy rain.
Last summer my car got flooded, luckily I had purchased water ingress insurance in advance. Whether a flooded car can be claimed depends mainly on whether your auto damage insurance includes water damage coverage. Under the new regulations, water ingress insurance has been merged into auto damage insurance, but if your car is under an old policy that hasn't been upgraded, you might need to purchase it separately. It's important to note that engine damage caused by secondary ignition is generally not covered. At the time, I wisely didn't start the car and waited for the tow truck to arrive before handling the situation. During the claim process, the insurance company will categorize the damage based on the floodwater level - if the water rises above the dashboard, they'll typically recommend declaring it a total loss. You'll need to prepare all necessary claim materials including accident photos and police reports, and crucially, you must notify the insurance company immediately for on-site inspection.
