Does Insurance Cover Water-Damaged Cars?
2 Answers
Insurance does cover water-damaged cars. Here's an introduction to insurance compensation for flooded vehicles: 1. Vehicle Damage Insurance: The comprehensive auto insurance reform, effective from 00:00 on September 19, 2020, expanded coverage to include theft, separate glass breakage, spontaneous combustion, and deductible waiver. If the vehicle is deemed a total loss, the insurer will compensate up to the insured amount of the vehicle damage insurance. 2. Water Wading Insurance: "Water Wading Insurance" is an additional coverage that cannot be purchased separately and must be bought alongside Vehicle Damage Insurance. For those who already have Vehicle Damage Insurance, they can add "Water Wading Insurance" through their insurer. This insurance comes with a 20% deductible, but if the deductible waiver is purchased for this coverage, 100% compensation can be obtained.
I remember last year when my car was flooded during a heavy rainstorm, with water levels rising above the tires. I immediately contacted my insurance company, and fortunately, I had comprehensive car insurance. They sent someone to assess the damage and covered the repair costs. However, the key to getting a claim approved is whether you have comprehensive insurance, which typically includes flood damage. In cases like mine, where the damage was caused by natural disasters, claims are easily processed with proper documentation. But if you restart the engine after stalling and damage it, the insurance might refuse to cover it, which would be a real shame. I recommend regularly checking your insurance policy to ensure it covers flood risks and parking away from low-lying areas. If your car gets flooded, take photos for evidence, report it to the police, and wait for professional help instead of moving the car. These experiences taught me that prevention is far more important than dealing with the aftermath, especially since repair costs can be quite high.
