How does the insurance company compensate for water damage to the car?
2 Answers
Water damage 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. The car damage insurance has been changed to comprehensive commercial insurance for motor vehicle loss, which includes all additional insurance types, so there is no need to purchase water damage insurance separately.
Last year, my car was flooded, with water reaching the dashboard. I immediately called my insurance company to report the incident and briefly explained the situation. Taking photos to document the flood damage was crucial—they had me take pictures of the license plate and the water level inside the car. Later, the insurance company sent an assessor to evaluate the damage on-site. Fortunately, I had previously purchased comprehensive insurance, including vehicle damage coverage, so I didn’t need additional flood insurance. Since the engine wasn’t restarted after the flood, most of the damages were covered. The repairs took nearly two weeks, and the total cost of over 10,000 was fully covered by insurance. A reminder to everyone: always park on higher ground during floods, check your insurance policy for vehicle damage coverage before the rainy season, and avoid moving the car unnecessarily in case of an accident, as it might affect your claim. The insurance claim process is generally smooth—report the case, wait for inspection, then proceed with repairs or compensation.
