Can I Get Compensation for Water Damage Without Purchasing Water Wading Insurance?
3 Answers
Can I Get Compensation for Water Damage Without Purchasing Water Wading Insurance? Here are the relevant details: 1. Auto Insurance Reform: After the 2020 auto insurance reform, water wading coverage was included in the vehicle damage insurance. If your vehicle is submerged due to natural disasters or accidental incidents, you can file a claim under the vehicle damage insurance. You will need to submit the required claim documents as specified by the insurance company. For direct losses to the insured vehicle caused by water damage that are not within the scope of exclusions, the insurance company will provide compensation within the agreed limits. 2. Secondary Start: When a car is submerged while parked on the roadside or in a basement, as long as it does not involve starting the vehicle in water, you can proceed with an insurance claim. Subsequently, costs related to vehicle cleaning, inspection fees, and vehicle damage can also be claimed.
Oh, I have so much experience with this. Last time during a typhoon, the underground garage in our neighborhood got flooded, and my neighbor's car was completely submerged like a boat. He didn’t have water damage insurance at the time, but fortunately, he had just renewed his insurance last year. The mechanic said that after September 2020, comprehensive car insurance automatically includes water damage coverage, so the engine, electrical system, and other damages were all covered. However, another guy wasn’t so lucky—his policy was bought before the reform, and the insurance company didn’t pay a penny when his engine was totaled. Remember, if your car gets flooded, never try to restart it, or even the best insurance won’t cover it. The key is to check your policy date—nowadays, new car insurance basically doesn’t require additional water damage coverage.
Last time I helped a friend deal with a flooded car, I realized insurance claims are all about timing. For cars insured after September 2020, the basic vehicle damage insurance usually covers water-related damage, including engine flooding. But if you have an older policy without separate water damage coverage, the engine is definitely not covered. However, you can still claim damage to leather seats or electronic equipment under the vehicle damage insurance. The worst scenario is when someone tries to start the engine after flooding—repair shops find water marks inside, and insurers just take photos and deny the claim outright. It's a good idea to check your policy date so you know where you stand. With more rainy seasons now, knowing this can help you avoid pitfalls.
