Is damage from rain due to unclosed windows covered by car insurance?
2 Answers
According to the insurance contract, it is generally not covered. Below is relevant information about auto insurance: Introduction: Motor vehicle insurance is a type of property insurance, also known as car insurance, which covers the vehicle itself and third-party liability related to the vehicle as a means of transport. Types of Coverage: Motor vehicle insurance generally includes compulsory traffic insurance and commercial insurance. Commercial insurance consists of basic coverage and additional coverage. Basic coverage is divided into vehicle damage insurance, third-party liability insurance, comprehensive theft insurance (theft insurance), and passenger liability insurance (driver liability insurance and passenger liability insurance).
Last summer, I drove to the beach for a vacation. In a hurry, I didn’t close the sunroof properly before parking, and suddenly a heavy rainstorm flooded the car, submerging half the seats. When I called the insurance company to file a claim, they outright said it was due to my own negligence, considered normal wear and tear rather than an accident, so they wouldn’t cover it. Since then, I’ve developed the habit of double-checking before leaving the car and even installed an automatic window-closing device just in case. Getting soaked not only leaves a foul odor and risks mold growth but can also corrode the wiring and interior, costing hundreds to clean up. Remember, insurance mainly covers sudden incidents like collisions or theft—preventable mistakes like forgetting to close windows are your own responsibility.
