How to Claim Compensation for Water Damage to New Energy Vehicles?
2 Answers
If the owner only purchases vehicle damage insurance and the vehicle is flooded, they can only receive compensation for damages to parts other than the engine, while the repair costs for engine damage must be borne by the owner themselves. If the owner purchases the main vehicle damage insurance and additionally buys water damage insurance, the insurance company will compensate for all damages caused by flooding, including the engine. Below are methods for identifying flood-damaged and accident vehicles: 1. Check the car locks: Look for signs of being pried open, damaged, or filled with glue. Then use the key to open each door to see if the locks are from the same set and whether each door lock can be turned easily. Note that if turning the key is very difficult or the key almost breaks before the door opens, it might be due to flooding causing the central control motor to rust and malfunction. 2. Engine compartment: Inspect the mounting brackets for the lighting and signal light groups in the engine compartment for breaks or looseness. Check the wire connectors and sockets; if there is a large amount of sediment or rust spots inside, it may indicate a flood-damaged vehicle.
I've driven new energy vehicles for several years and encountered water wading issues. When it comes to compensation, the key is to check what insurance coverage you have. Standard vehicle damage insurance usually covers water damage, but new energy vehicles especially require additional water wading coverage because battery repairs after water ingress are expensive. If the vehicle stalls in water, stop immediately and avoid restarting—safety first. Then, take photos to document the scene and water level, and immediately call your insurance company to report the incident and obtain a case number. They will send an assessor to inspect the vehicle damage, particularly the motor and battery components. If the assessment is approved, proceed with repairs at a 4S shop or authorized service center. A reminder: during repairs, ask about battery waterproof testing to avoid hidden risks. When driving, avoid forcing your way through flooded areas—be cautious if the water level exceeds half the wheel hub. Protecting yourself and your vehicle's safety is more important than anything else.