How does insurance cover a car washed away by flood?
2 Answers
Insurance will only cover the loss if the car is insured with relevant coverage such as auto damage insurance. Auto insurance clauses usually require reporting to the insurance company within 48 hours after the incident; otherwise, the insurance company has the right to refuse compensation. For vehicle losses caused by insured accidents, the insurance company must assess the damage and determine the loss items and amounts before the damaged vehicle can be repaired.
Speaking about insurance claims for cars swept away by floods, I once encountered a similar situation where the flood came suddenly, and my car disappeared without a trace. I immediately reported it to the police, obtained an accident certificate, and then contacted the insurance company. Fortunately, I had comprehensive insurance that covered natural disasters. The insurance company asked me to provide news screenshots from the flood period, vehicle documents, and location photos. The whole process was handled quite quickly—they completed the assessment in two weeks and compensated me based on the market value, though they deducted a small deductible. I recommend car owners regularly check their insurance policies to ensure they have comprehensive coverage. Relying on luck isn’t enough for floods; you need solid protection. After such an incident, never attempt to retrieve the car yourself—safety comes first, and professional rescue services are much more reliable.
