Can Flood-Damaged Vehicles Be Insured?

[LeJake]

Flood-damaged vehicles that are no longer drivable cannot be insured. If the vehicle is still operational, some insurance companies with more lenient policy terms may continue to provide coverage, but the insurance premium rates will increase. Here are the correct steps to handle a water-damaged vehicle: 1. Do not let the engine stall: Avoid forcibly starting the engine in water to prevent further damage (if the engine is damaged due to forced restart, the repair costs will not be covered by insurance). 2. Contact the insurance company to report the incident: Take photos of the scene and report the claim through multiple channels such as the insurance company's official website, app, or WeChat public account. 3. If the vehicle is swept away by floodwaters: Immediately call the police and wait for the insurance company's arrangements to determine if rescue services are available. Additionally, you must report to the police to assist in locating the swept-away vehicle. 4. For water-damaged vehicles: Actively contact the insurance company's rescue service to have the vehicle towed to a designated repair shop as soon as possible for prompt cleaning, repairs, and damage assessment.