Does insurance cover flood damage to cars caused by natural disasters?
2 Answers
Insurance does cover flood damage to cars caused by natural disasters. Below is relevant information about waterlogging insurance: 1. Definition: Waterlogging insurance is a newly derived type of auto insurance, primarily serving as an additional coverage that car owners purchase for their engines. It applies when the insured vehicle is submerged up to the exhaust pipe or intake manifold due to heavy rain or flooding, and the driver either continues to operate the vehicle or attempts to start it using inertia; or when the vehicle is started without necessary post-flooding procedures. In these two scenarios, purchasing waterlogging insurance is essential to receive corresponding compensation. 2. Claims handling: Compensation is provided for actual repair costs within the coverage limit. However, if the cumulative claim amount reaches the coverage limit during the insurance period, the insurance liability terminates. Each waterlogging insurance claim is subject to a 15% absolute deductible rate.
I just experienced my car being submerged after a flood. Whether the insurance will actually cover it depends on what coverage you’ve purchased. My own comprehensive car insurance covers natural disasters, such as damage caused by floods or typhoons. However, you must report it to the insurance company promptly—they’ll send a specialist to assess the extent of the damage and confirm it was purely due to natural causes, not operational error. I took a few photos of the submerged car as backup, and the claims process was quick, with repair costs settled in just two or three days. Extra reminder: If you don’t have comprehensive coverage, compulsory traffic insurance alone will absolutely not cover it. So, always review your policy and consider reassessing your insurance terms annually. Natural disasters are merciless, but car insurance can provide a safety net—don’t panic, just contact your insurer immediately.
