How to Insure Your Car in Case of Flooding?
2 Answers
For situations where the vehicle is completely washed away and cannot be recovered, and the salvage cost exceeds the vehicle's value, the insurance company will declare it a total loss and provide a one-time compensation. If the vehicle repair costs reach the insured amount, it can be declared a total loss, and the vehicle will be scrapped. If it can be repaired, the assessment and repairs will be conducted at a designated repair shop.
Having driven for so many years, I find the flood season the most troublesome. To ensure your car isn't destroyed by flooding, you need to plan ahead. Regular car insurance like third-party liability doesn't cover floods unless you add a waterlogging insurance or natural disaster rider, costing a few hundred extra annually—but it saves big money in a real crisis. I always check my policy before the rainy season and discuss updates with my insurer. If your car gets flooded, never start the engine—water ingestion can ruin it! Immediately call your insurer to report the claim, photograph water levels and damage for evidence, and cooperate with assessors. Park on higher ground routinely and avoid outings during flood warnings—these habits have saved me from losses multiple times. Insurance buys peace of mind; don't regret being uninsured only after disaster strikes.
