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Does Insurance Cover Flood-Damaged Vehicles?

1 Answers

MacJade

07/25/25 6:38am

If you have purchased insurance, your vehicle damaged in a flood will be covered by insurance. Here is some information about insurance compensation: 1. Legal provisions: According to the relevant provisions of the insurance policy, vehicle losses caused by general "natural disasters" such as rainstorms, floods, landslides, and mudslides fall under the coverage of the commercial auto insurance's vehicle damage insurance, and the insurance company will compensate accordingly. 2. Precautions: Note that the following situations may lead to claim rejection: If the engine stalls during water wading and is damaged due to forcibly restarting it, causing water ingress, the insurance company may refuse to compensate. Therefore, if your vehicle stalls while driving through water, never attempt to restart it forcibly.

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