How to check if a vehicle has flood insurance?

[Stacey]

Generally, you can see the types of insurance you have purchased on the insurance policy. So just take out the commercial insurance policy and carefully check the lines in the middle that list the types of insurance. If the vehicle has insurance, the insurance company you purchased it from will definitely have records.

[Kaden]

I've got plenty of experience checking water damage coverage. After last year's heavy rain, I checked my own car. The most straightforward method is pulling out your insurance policy – nowadays most are electronic policies. Just search for 'auto insurance' in WeChat or email to find the PDF file. Open the policy and go straight to the 'Coverage Details' section, where you'll clearly see 'Engine Water Damage Insurance' listed – if this line exists, it means you're covered. For policies purchased after September 2020, it's even simpler as water damage liability is automatically included in the standard comprehensive coverage. I recommend checking the coverage scope while you're at it, as terms vary by region – some only cover flooding while stationary, not while driving. If you can't find your policy, don't panic. Just call the insurer's hotline with your license plate number, and they'll sort it out in three minutes.