How to File an Insurance Claim for a Flooded Car?
2 Answers
Once the vehicle is submerged in water, the owner must immediately call the insurance company to report the incident. If the insurance company cannot arrive at the scene promptly, the owner should take photos of the scene and the vehicle damage in a timely manner while ensuring personal safety. The insurance company provides towing and rescue services. The owner can contact a rescue company for towing, and the related costs will be covered by the insurance company. After reporting the incident, the insurance company will arrange for a staff member to contact the owner and conduct an on-site inspection at the nearest location.
After my car got flooded, I immediately parked it in a safe and dry location. It's crucial not to start the engine again to prevent damage, as a second ignition after flooding can completely ruin the engine. I used my phone to take comprehensive photos and videos, capturing the water level, vehicle damage, and surrounding environment, clearly documenting the time and location. Then, I contacted the insurance company's hotline, and their app also supports online claims reporting. I reported the accident details, such as the flooding caused by heavy rain and the license plate information. The customer service representative reminded me to prepare the policy number and personal identification documents, waiting for the assessor to come and evaluate the damage. Throughout the process, I remained calm because experience has taught me that timely reporting can speed up the claims process. After the incident, I chose an insurance-approved repair shop to ensure thorough inspection of the electrical and mechanical parts. Usually, I pay attention to parking in areas away from low-lying spots and installed a garage drainage system before the rainy season. Such preventive measures are quite hassle-free.
