How Does Insurance Cover Water Damage for New Cars?
2 Answers
Once the vehicle is submerged in water, the owner needs to call the insurance company to report the claim. If the insurance company cannot arrive at the scene promptly, the owner should take photos immediately to document the flooding for the claims adjuster to assess the damage. Both the insurance company and the 4S shop offer towing and rescue services. However, during severe weather when towing services are overloaded, be mentally prepared for possible delays. Schedule repairs with the 4S shop.
I encountered water shortly after buying my new car, nearly ruining the engine. I immediately stopped and called my insurance company to report the incident. They sent an adjuster to the scene to take photos and confirm the cause of the water damage. Since I had specifically added water damage coverage when purchasing my car insurance, the insurer directly arranged to tow the car to a 4S shop for repairs. The repair process involved disassembling the engine to clean the water-damaged parts and replacing several components, costing several thousand yuan, but the insurance company covered all the expenses. The entire process took about a week, requiring me to provide copies of my insurance policy and vehicle registration. Dealing with water damage in a new car was really stressful, and now I always detour around puddles when driving. It's advisable to opt for comprehensive insurance or specifically add water damage coverage to avoid hassle with claims later. Checking the car's condition before the rainy season can also reduce risks.
