Can I File an Insurance Claim for a Car Flooded in Heavy Rain?
2 Answers
Can I File an Insurance Claim for a Car Flooded in Heavy Rain? Only Compulsory Traffic Insurance Does Not Cover: If you only have compulsory traffic insurance, the insurance company will not compensate. If you have not purchased any commercial insurance besides compulsory traffic insurance, the loss will have to be borne by the car owner. Having Compulsory and Commercial Insurance: Engine damage is not covered. If you have both compulsory traffic insurance and commercial insurance, and the commercial insurance includes vehicle damage insurance, you can call the insurance company's claim hotline to report the case if your car is flooded. The insurance company will then follow the procedure to compensate. However, the vehicle damage insurance does not cover engine water damage. For other parts of the car, such as the interior and computer boards, compensation will be determined based on specific circumstances.
Oh, I had this happen before - left my car outside overnight during heavy rain and the water rose up to the windows. Actually, if you have comprehensive insurance, you can generally file a claim with the insurer. Don't just rely on compulsory traffic insurance. Call your insurer immediately to report it, take photos of the flooded car as evidence, and absolutely don't start the engine to avoid further water damage. The insurer may cover part of the towing fees too. Afterwards, I spent some time towing it to the shop - cleaning mud and replacing electronic parts cost about 10k, but thankfully insurance covered most. Checking if your policy includes flood coverage beforehand is crucial, or you'll just waste effort. For daily driving, avoiding low-lying areas is the easiest solution.
