How Does Insurance Cover Water-Damaged Vehicles?
2 Answers
If you have comprehensive car insurance, the insurance company will cover all repair costs when your vehicle is submerged in water while parked. If the vehicle stalls due to water submersion and the engine is restarted, the insurance company will not provide any compensation. Upon receiving a claim notification, the insurer must immediately send personnel to inspect the scene, assess the extent and cause of the damage, verify the insurance policy, and register the case.
Last summer during a heavy rainstorm, my car parked in a low-lying area got flooded up to half the wheel height. I didn't panic or move it, immediately took photos and called my insurance company to report the situation. The claims adjuster arrived on-site and verified evidence that the engine wasn't started. Later, they compensated me 8,000 yuan for interior and electrical system repairs. The whole process took about a week, and now the car is still running smoothly. My advice to fellow car owners: if you encounter water immersion, act immediately without delay. File a clear insurance report—it saves a lot of trouble. Auto damage insurance is basic coverage; without it, footing the bill yourself would be a huge loss. Remember, safety first—have it towed for repairs and never attempt to start the engine to avoid secondary damage. Developing a habit of parking on higher ground away from flood-prone areas is wise.
