Can I Get Compensation for Water Damage Without Purchasing Water Wading Insurance?
2 Answers
Compensation is available for water damage even without purchasing water wading insurance. Below is relevant information about water wading insurance: Auto Insurance Reform: After the 2020 auto insurance reform, water wading insurance was included in the coverage of vehicle damage insurance. If a vehicle is submerged due to natural disasters or accidental incidents, a claim can be filed under vehicle damage insurance, and the required claim materials must be submitted as per the insurance company's requirements. 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. Important Notes: 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, insurance claims can be processed. Of course, subsequent expenses such as vehicle cleaning, inspection fees, and vehicle damage costs can also be claimed.
I was also curious about similar questions before, like whether you can get compensation if your car is flooded without waterlogging insurance. It actually depends. If your auto damage insurance still includes natural disaster coverage, such as losses caused by heavy rain or floods, the insurance company may partially compensate for some external damage or cleaning costs. However, waterlogging insurance mainly covers major issues like engine water ingress. Without it, the insurer may not compensate for engine damage, especially if it was caused by driving through water. I recommend you immediately call the insurance company’s customer service to ask about the specific terms, and don’t rush to start a flooded car to avoid further damage. It’s best to add waterlogging insurance in the future, especially for those living in flood-prone areas—spending a little money can save a lot of trouble. Also, remember to take photos for evidence after flooding and send the car to a professional shop to check for circuit corrosion to avoid safety hazards.
