My car was once flooded in a heavy rain, and I was really worried about whether the insurance would cover it. The experience made it very clear to me. It mainly depends on whether you have purchased the corresponding insurance. Basic compulsory traffic insurance doesn't cover flood damage at all—if your car gets soaked, it's completely useless. However, if you have comprehensive car insurance, like in my case where the car was flooded due to a natural disaster, the insurance covered the full loss, including cleaning the electrical circuits and repairing the interior. But be careful: if the flooding is caused by improper driving through water, comprehensive insurance might not cover it fully—it depends on the specific terms. I suggest not starting the car immediately to avoid water getting into the engine and causing damage, which could complicate the claim. Then, call the insurance company promptly to report the incident, and they'll send someone to assess the damage. Looking back, adding an engine water damage rider is a safer bet—it specifically covers engine flooding, and the annual premium isn't expensive, especially in areas with heavy rainfall. In short, whether insurance covers it depends on what type of insurance you have and the cause of the flooding. Don’t skimp on coverage to save money, or you’ll end up bearing huge losses if something really happens.
