Does Insurance Cover Water Damage to Vehicles from Natural Disasters?
1 Answers
If you have purchased vehicle damage insurance, according to relevant insurance regulations: the insurance company will compensate for vehicle damage caused by natural disasters (except earthquakes), including lightning strikes, storms, tornadoes, heavy rain, floods, ground collapse, cliff collapse, avalanche, hail, mudslides, landslides, tsunamis, and other disasters. However, it is important to note that losses caused by starting the insured vehicle in water that submerges the exhaust pipe or improper operation due to negligence after submersion, resulting in engine damage, are exempt from coverage. In other words, if the vehicle is started after being submerged in water, leading to damage, the insurance company will not be responsible for compensation. Therefore, when a vehicle is submerged in water, remember not to start the engine to prevent water backflow and engine damage, which the insurance company will not cover. Below are precautions for driving in the rain: Low gear driving: When driving through water, always use a low gear, maintain steady throttle, and pass through at low speed. Avoid stopping or shifting gears midway, as this can easily cause the vehicle to stall and damage the engine. Low-speed driving: When encountering heavy rain while driving at high speed, due to the increased water on the road reducing friction between the tires and the road surface, it is essential to appropriately reduce speed, hold the steering wheel firmly, and prevent the vehicle from losing control.
