How to Claim Insurance for a Flooded Car?
2 Answers
With comprehensive car insurance, full compensation is provided. If the vehicle is damaged due to being flooded while stationary, as long as the vehicle is covered by the basic car damage insurance, it falls within the insurance company's compensation scope. As for being flooded in traffic during heavy rain, as long as the engine is not forcibly started, it generally won't be damaged. Any damage incurred under these circumstances will be covered by the comprehensive car insurance. With comprehensive car insurance and water damage insurance, full compensation is provided. With comprehensive car insurance but no water damage insurance, the engine will not be covered. Purchasing comprehensive car insurance + water damage insurance ensures full compensation from the insurance company.
Last time my car got flooded when I parked in a low-lying area of the neighborhood during heavy rain. My first reaction was not to start the engine but to turn it off immediately to avoid electrical damage, then quickly took photos to document the water depth and surrounding conditions. I called the insurance company to report the claim, providing the license plate number and policy details, and they arranged for a tow truck to take it to an authorized repair shop. During repairs, they found water had entered the chassis and electrical systems, requiring several days of cleaning. Fortunately, my auto damage insurance covered water-related damage, so most costs were reimbursed. The claims process involved submitting documents like the vehicle registration and ID card copies, and the insurer directly paid the repair costs after assessing the damage. A reminder to everyone: avoid parking in low-lying areas during the rainy season—prevention is always better than dealing with the aftermath.
