Can I Claim Insurance If My Car Is Flooded?

1 Answers
AdelineAnn
07/25/25 3:13pm
Generally, you can seek compensation from the insurance company, but the specific compensation depends on the circumstances. Below are the relevant details: 1. If the car is parked and gets flooded: As long as the vehicle is insured with comprehensive coverage (including damage caused by natural disasters), the losses from static flooding are within the insurance company's compensation scope. 2. If the car is flooded while driving: (1) With comprehensive coverage + water damage coverage, full compensation is provided. (2) With comprehensive coverage but no water damage coverage, the engine damage is not compensated. 3. If the car is flooded while driving and is restarted: A second ignition after the engine stalls is not covered by the compensation.
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