Can the vehicle damage insurance cover the loss if the car is flooded?
2 Answers
If the car is flooded and the vehicle damage insurance has been purchased, the insurance company will provide compensation. Relevant information: 1. Introduction: Vehicle damage insurance is a type of commercial auto insurance where the insurance company compensates within a reasonable range for damages to the insured vehicle caused by an insurance accident occurring while the insured or an authorized driver is using the insured vehicle. 2. Expansion: Vehicle damage insurance is a basic vehicle insurance that mainly compensates for the loss of the insured vehicle and the loss caused to a third party by the use of the insured vehicle. Even if the vehicle loss is caused by natural disasters, the insurance company will still provide compensation.
Last year, my car was flooded by rainwater. I was deeply worried that the basic vehicle damage insurance wouldn’t cover it, so I called the insurance company and learned that whether it’s compensable depends on whether I had purchased additional waterlogging coverage. My basic vehicle damage insurance only covered collision accidents, while flood damage required a separate waterlogging rider for coverage. Fortunately, I had added it. After the flooding, I immediately turned off the engine and avoided starting it to prevent further damage. I took photos and videos as evidence and reported the claim via the insurer’s hotline. They dispatched a tow truck to transport my car to a designated repair shop, and after assessment, they fully covered the cleaning and replacement costs. Lesson learned: Now before the rainy season arrives, I always check my policy to ensure the waterlogging coverage is active and park on higher ground to avoid puddles. A water-damaged car, if not repaired promptly, can develop mold and corrode electrical circuits, posing significant hidden risks, so early action is crucial.
