Does Insurance Cover Cars Damaged by Floods?

[PiperLynn]

Drivers can only receive insurance compensation for water damage if they have purchased "comprehensive auto insurance," but the coverage mainly includes losses caused by water damage to seats, wiring, etc. Damage to the engine caused by driving through water or starting the vehicle in water is not covered by insurance. Important Notes for Filing a Claim: Once a vehicle is submerged in water, the driver should immediately call the insurance company to report the incident while ensuring personal safety. If the insurance company cannot arrive at the scene promptly, the driver should take photos of the scene and the vehicle's damage (while ensuring their own safety) to facilitate subsequent confirmation of losses and claims. Before repairing the vehicle, the driver must notify the insurance company to jointly assess the damage to avoid disputes over the compensation amount later. Both the insurance company and 4S shops offer towing services, but during severe weather, towing services may be limited. In such cases, the driver can also arrange for towing through a rescue company, and the insurance company is responsible for covering reasonable rescue costs.