Can I claim insurance for a car flooded in heavy rain?

[DeAdriel]

You must file a claim through the insurance company. The engine damage caused by driving through waterlogged areas or being submerged in water is only covered under the waterlogging insurance clause. The key elements mainly include the following two aspects: Damage: Waterlogging insurance only compensates for engine damage. Damage to other parts of the vehicle caused by water ingress will be settled according to the terms of the vehicle damage insurance. Submersion: Only engine damage caused by submersion in water falls within the coverage of waterlogging insurance. If the engine damage is caused by reasons such as belt breakage or valve collision, it is not covered under waterlogging insurance.