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How Does Insurance Cover a Car Flooded in Heavy Rain?

2 Answers

OCali

08/26/25 3:09am

With comprehensive car insurance, full compensation is provided. The insurance company will cover all damages, including engine damage. If the engine is not damaged. In this case, any damage incurred will be covered by comprehensive car insurance. With both comprehensive car insurance and water damage insurance, full compensation is provided. With comprehensive car insurance but no water damage insurance, the engine is not covered.

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VanEliana

09/08/25 3:26am

When my car got flooded during a heavy rainstorm, my insurance claim experience taught me that you really can't mess around with this process. The first thing you should do is call your insurance company to report the incident. Whatever you do, don't touch the car key to start the engine - if you cause secondary ignition damage to the engine, you'll likely get nothing in compensation. Before having the car towed to a repair shop, remember to take comprehensive photos of the entire vehicle, making sure to clearly capture how high the water reached on the wheels. The claims adjuster will determine compensation based on different flood level categories - they'll pay cleaning fees for water below the chassis, but if the dashboard got submerged, they might declare it a total loss. Don't forget to bring your vehicle license, driver's license, and insurance policy when signing the compensation agreement. Nowadays, auto insurance includes coverage for water damage, so you can typically get 90% compensation for reasonable flood damage. However, if the engine is damaged and you didn't purchase additional water damage coverage separately, you'll probably have to pay for that part out of pocket.

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