Can Flood-Damaged Vehicles Be Covered by Insurance?
2 Answers
Flood-damaged vehicles that have been insured with vehicle damage insurance can be covered by insurance. Below are the specific impacts of a car being flooded: 1. Component Rust: Vehicles that have been submerged in water are highly prone to rusting of body components, which shortens their lifespan and reduces safety performance. 2. Short Circuits and Stalling: Flood-damaged vehicles can suffer from corrosion and rusting of electrical wiring, leading to sudden stalling or spontaneous combustion due to short circuits while driving. 3. Repair Costs: The repair costs for flood-damaged vehicles are very high. In cases of severe water damage, repair expenses may exceed 50% of the vehicle's original value.
Last year, my car was half-submerged by a typhoon flood, so I immediately called my insurance company to ask if I could file a claim. They said if I had purchased vehicle damage insurance or special waterlogging insurance, it would be covered; otherwise, I’d have to pay out of pocket. Fortunately, I had comprehensive coverage, including flood damage, and the insurance company quickly sent someone to assess the car’s condition. After confirming it was caused by a natural disaster, they covered all the repair costs. The repair shop replaced engine components and wiring harnesses, costing nearly ten thousand yuan. A reminder to everyone: read your insurance policy carefully. Without this coverage, dealing with a flood-damaged car can be extremely expensive and may even lead to electrical short-circuit hazards. Regularly review your policy, especially if you live in a rainy area—upgrading your insurance in time can save a lot of hassle. If your car gets flooded, don’t panic. First, ensure safety and avoid moving the car to prevent secondary damage.
