How Does the Insurance Company Compensate for a Flooded Car?
2 Answers
Report the incident to the insurance company as soon as possible. Take simple photos of your beloved car. After the insurance company assesses the vehicle damage amount, the owner does not need to pay the repair costs upfront. If the car is swept away by floods or heavy rain, locate the vehicle immediately. As for the compensation amount, it has been clearly stated above: rescue costs, cleaning expenses, and electrical damage are all covered under the compensation after the car is flooded.
A friend of mine had his car flooded by rainwater last year. Fortunately, he had purchased water damage insurance, so the insurance company covered most of the repair costs. First, you need to confirm that your insurance policy includes water damage coverage or a similar add-on, as standard comprehensive insurance may not cover flood damage. After water immersion, immediately report to the police (110) or traffic authorities, then contact your insurance company to file a claim. Avoid starting the car to prevent further engine damage from water ingress. An adjuster will come to take photos and assess the damage. If the damage is severe, such as electrical system failure, the car might be declared a total loss for compensation. Without water damage insurance, you’ll have to bear the costs yourself. During the rainy season, try to park on higher ground and avoid low-lying areas or underground garages. In short, carefully reviewing policy terms when purchasing insurance is crucial.
