Does Insurance Cover Water-Damaged Vehicles from Natural Disasters?
1 Answers
If you have purchased auto 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, avalanches, hail, mudslides, landslides, tsunamis, and other disasters. However, it is important to note that the insurance company is not liable for damages caused by starting the vehicle in water that submerges the exhaust pipe or due to improper operation after the vehicle is submerged, resulting in engine damage. In other words, if the vehicle is started after being submerged in water, leading to damage, the insurance company will not cover the compensation. Therefore, when the vehicle is submerged in water, remember not to start it to prevent water from flowing back and damaging the engine, as the insurance company will not compensate for such damages. Below are precautions for driving in heavy rain: Avoid water-covered road sections: Because water-covered roads may have potholes or debris, which can easily lead to the vehicle getting stuck, exhaust pipe flooding, or tire punctures. Drive at low speeds: When encountering heavy rain while driving at high speeds, due to the increased water on the road and reduced friction between the tires and the road surface, it is essential to appropriately reduce speed, hold the steering wheel steady, and prevent the vehicle from losing control.
