Does Vehicle Damage Insurance Cover Flood Submersion?

[BrantleyRose]

Vehicle Damage Insurance covers flood submersion. Below are the specific details: 1. Definition of Vehicle Damage Insurance: As the name suggests, Vehicle Damage Insurance refers to the insurer compensating the policyholder according to the contract terms when the vehicle is damaged due to reasons covered under the insurance policy. Natural disasters such as storms, lightning, hail, heavy rain, floods, and tsunamis are all within the scope of insurance liability. 2. Vehicle Damage Insurance Payout: If the vehicle is damaged due to driving through water under circumstances not involving the aforementioned natural disasters, or if the engine is damaged while driving through water during heavy rain (including losses aggravated by restarting the engine in water), such damages will not be covered under Vehicle Damage Insurance.

[SimonFitz]

Auto Damage Insurance covers flood submersion scenarios. After the reform, the Auto Damage Insurance now automatically includes Engine Water Damage Insurance. Last year, my colleague's car was submerged in the underground garage of their residential area, and they received a compensation of 20,000 yuan without purchasing additional water damage coverage. However, note that there are two scenarios not covered: first, if you knowingly drive into deep water causing the engine to stall, and second, if you attempt to restart the engine in water, leading to engine failure. Assessing water-damaged vehicles is meticulous—if the engine isn't flooded, only cleaning fees are covered, but if the computer motherboard is damaged, repair costs can reach five figures. Remember, if the car stalls in water, do not attempt to restart it; immediately take photos and contact the insurance company. If the car remains submerged for over 48 hours, the body circuits may rust and become irreparable.

[HeidiFitz]

From my experience, as long as you have purchased vehicle damage insurance, it includes flood compensation. Last week, my friend's car was submerged up to the door handles in an open parking lot during a heavy rainstorm, and the insurance covered the full cost. However, I must remind you to carefully review the policy terms: if the engine is damaged due to water ingress while driving, the engine repair costs will only be covered if you have additionally purchased wading insurance. After water submersion, you must report the incident to the insurance company within 48 hours. I've seen many car owners who didn't know the procedure and tried to let the car dry for a few days before handling the claim, only to have it rejected by the insurance company. The key is to take clear photos of the waterline, and it's best to have the tow truck driver mark the waterline height on the door for confirmation.

[OPatrick]

Current auto damage insurance covers flood disasters. Two years ago during a typhoon, my SUV broke down on a bridge and got flooded, but the insurance company fully covered the towing fee and 38,000 yuan in repair costs. The main compensation items included engine cleaning, wiring harness replacement, and carpet drying. However, there are two common claim rejection scenarios: deliberately driving into water despite seeing flooded roads ahead, or damage caused by the vehicle floating and colliding with other objects. Key point: Never attempt to restart the engine after stalling - water being sucked back into the engine is far more damaging than simple water immersion.