Does Car Insurance Cover Flood-Damaged Vehicles?

[DelRonan]

Car insurance does provide compensation for flood-damaged vehicles caused by heavy rain. The specifics are as follows: 1. If the vehicle was parked and got submerged, and the owner has purchased comprehensive car insurance, the insurance will cover the full cost of repairs. 2. If the vehicle stalled while driving through water (provided the engine was not restarted), and the owner has not only comprehensive car insurance but also additional water damage coverage, the insurance company will be responsible for compensation. Relevant information about flood-damaged vehicles is as follows: 1. A flood-damaged vehicle refers to a car that, due to heavy rain, was left parked in underground garages or low-lying areas and was not moved in time by the owner, resulting in prolonged submersion. 2. Hidden dangers: While flood-damaged vehicles can be repaired to some extent, even after repairs, they still pose significant risks. The longer the submersion duration, the higher the likelihood of malfunctions occurring.