How to Claim Insurance for a Parked Car Flooded by Water?
2 Answers
If you have comprehensive car insurance and the vehicle was flooded while parked, the insurance will cover the full cost of repairs. If you have comprehensive insurance and the vehicle stalls and gets flooded while driving, the insurance will cover the damages if you have additional water damage coverage. Without water damage coverage, only damages to parts other than the engine will be covered. If the engine is damaged due to forced starting after the vehicle is flooded, the insurance will not cover the claim. The first step when your car is flooded is to take photos as evidence.
Last year, my car was flooded in the underground garage, with water reaching the height of the seats. I immediately took photos and videos with my phone to record the water level and position. Though panicked, I handled it calmly. I promptly called the insurance company's hotline to report the incident. The customer service asked for my license plate number and details, and emphasized not to start the engine to avoid further damage. After waiting for the tow truck to take it to the designated repair shop, the insurance company sent someone to assess the damage. The inspection revealed significant circuit damage. Fortunately, I had purchased comprehensive car damage insurance, including an additional water-related coverage, which covered most of the repair costs. The entire process took over a month. The lesson learned is to check the weather forecast before parking and choose higher ground whenever possible to avoid trouble. Next time, I will review the insurance policy more carefully to ensure full coverage against natural disasters.
