Is flood damage covered by auto insurance?
1 Answers
It depends. Vehicle flood damage compensation is divided into the following situations: 1. Claimable scenarios: (1) When a vehicle is parked roadside or in an underground garage and gets submerged, as long as the engine isn't started in water, comprehensive coverage can be claimed for cleaning fees, wiring inspections, etc. (2) When driving through flooded roads causes vehicle stoppage, commercial insurance policies explicitly state that storm-induced damage is compensable per contract terms (storm criteria: 50mm+ rainfall within 24 hours). 2. Non-claimable scenario: Engine restarting voids coverage. Never start a flooded vehicle - secondary engine ignition causing expanded damage remains uncompensated even with specific water-related coverage.