Can I Claim Insurance If My Car Was Flooded Without Having Water Wading Coverage?
3 Answers
Insurance companies will not compensate for a flooded car if water wading coverage was not purchased. Below is relevant information: Insurance Company: An insurance company refers to a corporate legal entity established under the Insurance Law and the Company Law. Insurance companies collect premiums and invest the capital obtained from premiums in assets such as bonds, stocks, and loans, using the income generated from these assets to pay the insurance compensation specified in the policies. Vehicle Insurance: Vehicle insurance, also known as motor vehicle insurance or auto insurance, refers to a type of commercial insurance that covers liability for personal injury or property damage caused by natural disasters or accidents involving motor vehicles. Auto insurance is a form of property insurance and is considered a relatively young category within the field of property insurance.
That time after the heavy rain, I parked my car on the roadside in the neighborhood and forgot to move it, resulting in water flooding over the chassis. I didn’t have any water damage insurance at all. I immediately called the insurance company, and the customer service asked if the engine had been started and requested photos and water level markers. Later, the claims adjuster arrived and explained that as long as I had comprehensive car insurance, flooding while parked counts as a natural disaster incident and is claimable, while water damage insurance mainly covers driving through puddles. I spent half a day gathering evidence, including weather reports and garage location maps, and in the end, the insurance covered the major repair costs. The repair shop mentioned that if I hadn’t reported it in time, prolonged water exposure could have caused more serious electrical issues. Nowadays, I always park on higher ground during rainy days or install water barriers. I also make sure to carefully review the insurance policy terms to avoid being caught off guard next time something happens.
Having driven an old car for nearly thirty years, I've also encountered flooding. Not having water ingress insurance wasn't an issue, as the key was having comprehensive insurance. When the car was flooded while parked in the garage without being driven, the insurance company determined it was an accidental disaster. After I called to report the claim, they advised not to start the engine to avoid short circuits. The damage assessment process was straightforward, requiring only the date, location, and photos. Water ingress insurance covers engine damage caused by driving through water, while flood damage while parked can be resolved with comprehensive insurance. I recommend friends promptly clean car carpets to prevent mold and choose higher ground for parking during flood seasons. Reporting a claim once taught me the ropes: the more complete the evidence, the faster the process.
