How does the insurance company compensate for a flooded motor vehicle?
3 Answers
If you have purchased vehicle damage insurance, you can basically receive compensation. The insurance will cover the cost of repairs, and if the vehicle is totaled, there will also be some compensation for the total loss. If the vehicle is insured with water ingress coverage, compensation can be obtained in this situation. Of course, if the water ingress coverage does not include the waiver of deductible, there will be a 20% deductible rate. In addition to the engine, the insurance company will provide corresponding compensation for other parts.
I was really shocked when my car got flooded. My car was parked in a low-lying area, and after the heavy rain, the water rose up to the door handles. I immediately called my insurance company to report the claim, noted down the policy number, and took photos as evidence. Never attempt to start the engine—if water gets into the engine due to restarting, the insurance won't cover the engine damage. That's a painful lesson learned. At that time, I had comprehensive car insurance, and they sent someone to inspect it, towed the car to a repair shop for cleaning and damage assessment, and eventually covered most of the repair costs, though I still had to pay the deductible. I recommend everyone to add water damage coverage in advance—it's affordable and provides peace of mind. Always park away from waterlogged areas and check the drainage system to avoid a lot of trouble.
Let me tell you about my experience with flood-damaged cars. One morning, I drove through a deep puddle without thinking much of it, only to have my car stall and get submerged. I immediately reported the incident to my insurance company with the claim number, waiting for their adjuster to survey the scene and assess the water level and damage. The key is not to restart the car to avoid being accused of aggravating the damage and having the claim denied. I had commercial vehicle damage insurance, and the claims process went smoothly, covering towing, cleaning, and part replacements, though I had to pay the deductible. Looking back, it's crucial to check your insurance policy before the rainy season to ensure it includes flood damage coverage, so you're not left unprepared. Taking plenty of photos and videos as evidence helps, and choosing a reliable repair shop is essential to avoid disputes later on.
