Can water-damaged cars be claimed on insurance?
2 Answers
Water-damaged cars can be claimed on insurance, and insurance companies will assess the claim based on the cause of water exposure. Relevant information: 1. Considerations: "Water-damaged vehicles" can be repaired to some extent, but even after repair, there are serious hidden dangers. The longer the immersion time, the higher the probability of malfunctions. This is similar to a watch falling into water; even if it is disassembled and dried, the watch will still malfunction and cannot be completely repaired. 2. Additional information: If a motor vehicle is submerged in water, it can easily cause rusting of body components, shortening its service life and reducing safety performance. For example, water damage can lead to corrosion and rusting of the vehicle's wiring, causing the vehicle to suddenly stall or spontaneously combust due to short circuits while driving, with unimaginable consequences. Additionally, the repair costs for water-damaged vehicles are very expensive.
I remember last year during the rainy season, my car got flooded when it encountered deep water on the road. I immediately called my insurance company to ask if I could file a claim. The insurance company said it depends on whether I had purchased water-related damage coverage or comprehensive car insurance. Generally, if the flooding is caused by natural disasters like heavy rain and you have comprehensive coverage, the insurer might cover part of the repair costs, but you need to take photos on-site as evidence to prove it wasn't caused by human error. If the car won't start after being flooded, never force-start it, as water ingress can cause engine short circuits or even burnouts. The lesson I learned is: it's best to add water-related damage rider when buying car insurance, always park away from low-lying areas, and prioritize contacting the insurer for on-site inspection if this happens to avoid unnecessary repair costs from DIY fixes.
