Does Insurance Cover Flood-Damaged Cars?
2 Answers
When a vehicle is parked on the roadside or submerged in an underground parking lot due to flooding, as long as it does not involve starting the engine in water, the damage can be claimed under the auto damage insurance. This includes costs such as vehicle cleaning and wiring harness inspection. Additional Information: 1. Water Wading Insurance: This insurance covers losses caused by driving through water. Among various insurance companies, there is a type called Engine Water Wading Loss Insurance, which compensates for vehicle damage caused by driving through water. 2. Commercial Insurance Liability: The commercial insurance liability clearly states that vehicle losses caused by heavy rain can be compensated according to the insurance contract. The standard for identifying heavy rain is precipitation exceeding 50 millimeters within 24 consecutive hours. Therefore, if the rainfall falls under the 'heavy rain' category, even vehicles without water wading insurance can claim compensation through auto damage insurance.
I remember many car owners have encountered the issue of flood-damaged vehicles. Whether insurance covers it mainly depends on the type of coverage you purchased. Typically, compulsory traffic insurance doesn't cover losses from natural disasters, so the key is whether you have vehicle damage insurance or comprehensive coverage. If you do, the insurance company will usually compensate for flood-related damages, such as engine water ingress or electrical system burnout. However, you must report the incident promptly, arrange for a tow truck to inspect the vehicle, and keep photo evidence. Having worked in auto repair for years, I've seen many flood-damaged cars where owners without relevant coverage ended up paying hefty repair costs out of pocket. A reminder to everyone: carefully review insurance terms next time you purchase, don't just go for the cheapest option - adding natural disaster riders is cost-effective. Always park on higher ground when possible, avoid low-lying roads during heavy rain, safety first.
