Does Insurance Cover Flooded Cars Due to Rain?

[DiRylee]

Whether insurance covers a flooded car due to rain mainly depends on whether the owner has purchased water damage insurance. Additionally, if the vehicle stalls due to flooding, the driver must not attempt to restart the engine, as doing so will likely result in the insurance company denying the claim. Coverage under Vehicle Damage Insurance: Vehicle damage caused by natural disasters such as heavy rain, flooding, or floods, excluding engine damage, is covered under vehicle damage insurance. Coverage under Water Damage Insurance: Damage to the engine caused by water submersion is only covered if the owner has purchased additional water damage insurance. Water damage insurance, also known as engine special loss insurance, is an add-on that must be purchased separately.