Can Insurance Cover a Car Flooded by Rain?

[MacGenesis]

Yes, insurance can cover it. The specific details are as follows: 1. Policies before the auto insurance reform: There are only two types of insurance that cover a flooded car—Vehicle Damage Insurance and Engine Water Damage Insurance. 2. Vehicle Damage Insurance: It only covers losses other than the engine, including rescue costs after the car is flooded, electrical damage, interior damage, and cleaning costs. The exact amount covered is determined by the 4S shop’s assessment and negotiations between the policyholder and the insurance company. 3. Engine Water Damage Insurance: It only covers engine damage. If the engine is damaged due to driving through water or being submerged, this insurance only covers the repair costs for the engine damage and has no relation to other parts of the car. 4. Policies after the auto insurance reform: Rescue costs, engine water damage repair costs, electrical damage replacement costs, and interior cleaning or replacement costs are all covered by Vehicle Damage Insurance. However, if the policyholder opted for an Engine Damage Exclusion Clause to save money, the engine water damage repair costs will not be covered.