How Does the Insurance Company Compensate for a Flooded Car?

[Lucia]

If you have vehicle damage insurance, compensation will be provided according to regulations. If the car is parked in a residential area or underground garage and gets flooded, as long as the vehicle damage insurance is purchased, it falls within the insurance company's compensation scope. The insurance company will determine liability based on the specific circumstances; if both vehicle damage insurance and water ingress insurance are purchased, both the vehicle damage and engine loss can be compensated.

[DiMartin]

My car was previously flooded, so I immediately called the insurance company to file a claim. They sent an adjuster to inspect it. Since I had purchased comprehensive car insurance, which covers natural disasters, the insurance company assessed the damage and covered the repair costs. The process took two weeks, but it saved me a lot of money. I recommend car owners to purchase sufficient insurance coverage. If your car gets flooded, don’t rush to start the engine—take photos for evidence to speed up the process. Looking back, choosing parking spots carefully and avoiding low-lying areas is crucial to prevent similar incidents. Also, remember to follow up on the claim progress promptly to avoid paying for repairs out of pocket.