Can I Claim Insurance Compensation If My Car Is Flooded?

1 Answers
DiArcher
07/29/25 10:35pm
Whether a car can receive insurance compensation after being flooded mainly depends on the following three scenarios: If the car is flooded while parked, such as in an underground garage or other low-lying areas, and the owner has purchased auto damage insurance, they can generally receive compensation. The insurance will cover the repair costs. If the flooding is severe and the car is totaled, there will also be some compensation for the total loss, minus normal depreciation. If the car is driven through water, and the owner intentionally drives it into the water, there are three scenarios to consider: First, if the car is insured with water ingress coverage, compensation can be claimed. However, if the policy does not include a waiver of deductible, there will be a 20% deductible; otherwise, full compensation will be provided. If water ingress coverage is not purchased, the insurance company will compensate for damages to parts other than the engine. If the car stalls due to flooding while driving, do not attempt to restart it. Forcing a restart will give the insurance company grounds to deny the claim, and all resulting losses will be the owner's responsibility.
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