How Does the Insurance Company Compensate After a Car is Flooded?
2 Answers
Waterlogging insurance refers to the situation where the engine is directly damaged due to water ingress during vehicle use, and the insurance company is responsible for compensation. Comprehensive vehicle damage insurance has been renamed as comprehensive commercial insurance for motor vehicle loss, which includes all additional insurance types, eliminating the need to purchase waterlogging insurance separately.
A few days ago, my old classmate's car got flooded in a heavy rain, and he panicked asking me about the procedure. First, check your insurance policy—if you didn't purchase the water damage rider, the insurance company basically won't cover the engine. The first thing after flooding is never try to start the engine! If water enters the cylinders and you crank it, the engine will be totaled. When calling the insurance company to report the claim, remember to take a 360-degree video around the car with your phone, clearly capturing the waterline and license plate. Follow the tow truck to the repair shop during disassembly and damage assessment, and make sure to check the extent of wiring corrosion by lifting all the interior carpets. If the engine is fine, the claim process will be quick, but if water reaches the dashboard, the car might be depreciated by up to 50%. Last time I filed a claim, it took two months, so remember to keep copies of the repair bills for appeal purposes.
