Can Insurance Cover Flooded Vehicles?
1 Answers
Flooded vehicles can be compensated as long as comprehensive insurance (vehicle damage insurance) is purchased. According to the relevant insurance clauses, vehicle losses caused by general natural disasters such as rainstorms, floods, landslides, and mudslides fall under the coverage of comprehensive insurance in commercial auto insurance, and the insurance company will provide compensation. It is important to note that there are two situations where claims may be rejected: If the engine stalls during driving through water and the driver forcibly restarts it, leading to engine damage from water ingress, the insurance company may refuse to compensate. Therefore, if the vehicle stalls in water, never attempt to restart it. Additionally, if the driver knowingly drives through severe flooding, causing engine damage, the insurance company will not cover the loss. It is especially important to note that if the owner has neither comprehensive insurance nor additional water damage coverage, all financial losses will be borne by the owner, with no compensation available. After a vehicle is flooded, the owner should not attempt to start the engine or drive through water. Instead, the owner should immediately call the insurance company to report the situation. If possible, evidence such as photos should be taken to document the scene. The owner should cooperate with the insurance company’s personnel during the inspection and prepare the required claim documents, submitting them to the insurance company for review. Once approved, the insurance company will notify the owner of the claim result, and the owner can then await compensation.
