How Does Insurance Cover a Flooded Car?
2 Answers
The car owner must immediately call the insurance company to report the incident. While ensuring personal safety, the owner should promptly take photos of the scene and the vehicle's damage. Both the insurance company and 4S shops offer towing and rescue services. After reporting the incident, the insurance company will arrange for staff to contact the owner for an on-site inspection at the nearest location. The insurance company will verify the damaged parts of the vehicle and provide compensation according to the law.
Last time my car got flooded in a heavy rainstorm, and I was really panicked. I immediately called the insurance company to file a claim. They first told me not to start the car and to take photos and videos on the spot to document the water level and damage, then arranged for a tow truck to take it away. A few days later, the claims adjuster came to inspect and determine whether it was covered under the auto damage insurance (flood damage is generally included). I provided my ID and policy, and after assessing the damage, they decided whether to repair or compensate. The whole process took about a week. A reminder: before the rainy season, park on higher ground and avoid driving through water. After flooding, electrical systems are prone to issues—get it fixed ASAP, safety first. Acting promptly is crucial; delays could lead to more damage.
