Can Flood-Damaged Vehicles Be Covered by Insurance?

[StHaley]

Flood-damaged vehicles can be covered by insurance. There are two types of insurance related to vehicle water damage: the most common one is the vehicle damage insurance, and the other is called the engine special loss insurance, commonly known as water damage insurance. Below are the relevant details: 1. Vehicle Damage Insurance: According to the "Model Clauses for Commercial Motor Vehicle Insurance," during the insurance period, if the insured vehicle suffers damage due to natural disasters such as heavy rain or floods while being used by the insured or their legally permitted users, the insurance company will compensate as agreed. 2. Water Damage Insurance: If the vehicle is parked on the roadside or in an underground garage and gets flooded, as long as the vehicle is not started in the water, the vehicle damage insurance can be used for claims. This includes costs for vehicle cleaning and wire harness inspection, which are all covered by the vehicle damage insurance.