Does Vehicle Damage Insurance Cover Flooding?

[HeidiDella]

Vehicle Damage Insurance does cover flooding, with the following relevant information: Insurance claims can be filed in the following scenarios: When a vehicle is parked on the roadside or in an underground garage and gets submerged in water, as long as the vehicle is not started in the water, the Vehicle Damage Insurance can cover the claim. This includes expenses such as vehicle cleaning and wiring harness inspection. If the vehicle is driving on the road and stops after entering a waterlogged area, the following claim method applies. The commercial insurance policy clearly states: Vehicle damage caused by heavy rain can be compensated according to the terms of the insurance contract. The standard for identifying heavy rain is precipitation exceeding 50 millimeters within 24 consecutive hours. Secondary engine startup will not be covered: Private vehicle owners are reminded that once they find their vehicle flooded or submerged, they must not start the vehicle. If starting the vehicle causes engine water intake and further damage, even if they have purchased wading insurance, they will not be compensated.