How does the insurance company compensate for a water-damaged car?
2 Answers
For a water-damaged vehicle, you should file a claim under the auto damage insurance. If the direct loss caused by water immersion meets the claim conditions, the insurance company will compensate within the agreed limit. After the reform, water-related damage coverage has been included in the auto damage insurance. Now, in addition to providing coverage for vehicle damage, the auto damage insurance also includes comprehensive theft insurance, spontaneous combustion insurance, and more.
Last year, my car was flooded in heavy rain, and the insurance claim process was quite frustrating. Initially, I checked my policy to see if the auto damage insurance covered flood damage. Most standard auto damage insurance includes water damage caused by heavy rain, but water submersion coverage is an additional option. I immediately called the insurance company to report the incident, providing details about the time, location, and water level. They sent an adjuster to assess the scene. Afterward, the car was towed to a designated repair shop, where mechanics inspected the engine and electrical systems for water damage. Moderate damage could be repaired, with the repair costs covered; severe damage would result in a total loss settlement based on the car's residual value. The key was not to start the car to avoid further engine damage. Photo evidence was essential to prevent claim disputes. Personally, I recommend verifying your insurance coverage before the rainy season to avoid last-minute confusion like I experienced.
