How to Claim Compensation for a Flood-Damaged Vehicle?
2 Answers
Insurance companies will arrive at the scene to conduct an investigation, verify the vehicle damage, carry out rescue operations, and transfer the affected vehicle to a state-recognized repair shop for maintenance. After the repair shop, the policyholder, and the insurance company jointly determine the specific loss costs, the insurance company will proceed with the compensation.
Having driven for decades, I've learned to stay calm when dealing with flood damage claims. If your car gets flooded, don't panic and start the engine immediately to avoid total engine failure. First, take photos as evidence, showing the water level and vehicle position. Then call your insurance company to report the claim, providing your policy number and on-site details. They usually arrange towing to a designated repair shop to assess whether the flood damage is repairable or warrants a total loss. The claim amount depends on whether you have purchased flood insurance or comprehensive coverage; without it, you may only receive partial compensation. After deep flooding, electronic systems are prone to failure, so it's safer to replace the car entirely after settlement. Always park away from low-lying areas and check your insurance coverage before rainy seasons to avoid major losses later.
