How Does Insurance Compensate for a Flooded Car, and How Much Will Be Covered?

1 Answers
SiennaMarie
07/25/25 9:26pm
If your car is flooded due to rain, the insurance company will compensate based on the actual situation. Here are the specific details: First scenario: If you have comprehensive car insurance (car damage insurance) and the car is flooded while parked (static damage), the insurance company will fully compensate. Second scenario: If you have comprehensive car insurance plus flood insurance and the car is flooded while driving, full compensation applies. However, if you only have comprehensive car insurance without flood insurance, the engine damage will not be covered. Third scenario: If you have comprehensive car insurance plus flood insurance but the car is flooded while driving and you attempt to restart the engine after it stalls, the insurance company will not compensate.
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