Does Car Insurance Cover Full Compensation for Water Damage?
1 Answers
If a car is submerged in water and the corresponding insurance has been purchased without performing a secondary start-up operation, the insurance company will provide full compensation. According to the provisions of the Home-use Automobile Loss Insurance Clause, during the insurance period, if the insured or their legally permitted user suffers loss of the insured vehicle due to natural disasters such as rainstorms or floods while using the vehicle, the insurance company will compensate as agreed. Procedure for claiming compensation after a vehicle is submerged in water: Vehicle water damage generally falls into two scenarios: first, when the vehicle is parked on the roadside or in an underground garage and gets submerged due to deep water accumulation; second, when the vehicle is driven into a waterlogged area, leading to water ingress, stalling, and inability to proceed. It is important to remain calm in such situations. Ensure personal safety first, then immediately report the incident by calling the insurance company where the vehicle is insured. Next, take photos. If the insurance surveyor cannot arrive promptly, the owner should take photos of the scene and the vehicle's damage condition safely for assessment and claims. Lastly, arrange for rescue services, either through the insurance company or a professional rescue company.
