Can I Claim Insurance for a Total Loss if My Car is Flooded?
2 Answers
Not all flooded vehicles can be directly declared a total loss. Whether a damaged vehicle is declared a total loss is determined by professional insurance company assessments. If the vehicle's damage reaches 70% or more of its actual value, it will generally be declared a total loss. Below is a detailed introduction: 1. Introduction One: The vehicle damage insurance included in "comprehensive coverage" covers the engine, but most insurance companies have exclusion clauses for "damage caused by engine water ingress." 2. Introduction Two: "Water ingress insurance" is an add-on coverage and cannot be purchased separately; it must be purchased alongside vehicle damage insurance. For those who have already purchased vehicle damage insurance, they can add "water ingress insurance" through their insurance company. This coverage has a 20% deductible, but if the deductible waiver is purchased, 100% compensation can be obtained.
My car was flooded last time, and I immediately contacted the insurance company. First, check if you have purchased vehicle damage insurance, as this is the key to flood damage and total loss claims. If you have comprehensive insurance, flood damage is considered a natural disaster and is generally covered. The insurance company will send someone to assess the damage. If the repair cost exceeds the vehicle's value or the engine is severely damaged, it will be treated as a total loss, and you will receive compensation. Be careful not to start the car yourself to prevent secondary damage, take photos as evidence, and report the exact location and time of the incident. Always park your car on higher ground to avoid similar issues in heavy rain and flood-prone areas.
