How to Claim Insurance for a Flooded Vehicle?
2 Answers
If the engine stalls while driving through water and gets damaged due to forcibly restarting it, the insurance company may deny the claim. If you find your vehicle has been flooded, remember not to move the car and promptly take photos as evidence (vehicle position, water level). Call the insurance company's claim hotline. If the vehicle was stationary when flooded, it will be compensated as a "natural disaster."
If your car is flooded, do not start the engine. Use your phone to take photos and videos of the water level and vehicle condition. Immediately contact your insurance company to file a claim, providing the claim number, policy, ID, and other required documents. Wait for the damage assessment for compensation. Choose a reputable repair shop for repairs. Inspect the electrical circuits and engine, and apply rust prevention. Follow up with thorough drying and maintenance. For daily parking during rainy seasons, choose higher ground for peace of mind. Follow these tips, and you'll be fine.