Does vehicle damage insurance cover compensation for cars flooded by rain?
2 Answers
Vehicle damage insurance does cover compensation for cars flooded by rain. Below is relevant information about waterlogging insurance: 1. Definition: Waterlogging insurance is a newly derived type of auto insurance, primarily referring to an additional coverage purchased by car owners for their engines. In cases where the insured vehicle is submerged up to the exhaust pipe or intake manifold due to heavy rain or flooding, and the driver continues to start the vehicle or attempts to start it by inertia; or if the vehicle is started without necessary post-flooding procedures, compensation under these two scenarios requires the purchase of waterlogging insurance. 2. Claims handling: Compensation is based on actual repair costs within the coverage limit. However, if the cumulative claim amount reaches the coverage limit during the insurance period, the insurance liability terminates. Each claim under waterlogging insurance is subject to a 15% absolute deductible.
A couple of days ago, my friend's Accord got caught in a heavy rain flood. He wasn't worried though, because after the auto insurance reform, such natural disasters are fully covered. As long as it's not intentionally driven into a water pit, the insurance company will basically compensate. But whatever you do, don't attempt to restart the engine! If the engine gets waterlogged and you try to start it, the insurer might only cover the cleaning fee. Remember to take photos and report the claim immediately, then wait for the water to recede and have it towed for damage assessment. Seasoned drivers know - always try to park on higher ground in such weather, as flooded garages are even more troublesome than flooded roads.
