Is Insurance Claimable for a Vehicle Totaled Due to Water Damage?
2 Answers
Insurance is claimable for a vehicle totaled due to water damage. Below is a detailed introduction to the vehicle damage insurance: Coverage includes: vehicle damage insurance, third-party liability insurance, theft insurance, seat liability insurance, standalone glass breakage insurance, spontaneous combustion insurance, scratch insurance, and compulsory traffic insurance. Scope: The insured vehicle is covered for parallel falls while driving, storms, tornadoes, lightning strikes, hail disasters, heavy rain, floods, tsunamis, ground collapse, ice collapse, cliff collapse, avalanches, mudslides, and landslides. The insured vehicle is also covered for total theft, robbery, or snatching, as well as damage incurred during or due to attempted theft, robbery, or snatching, or loss of vehicle parts and accessories.
Last time my car got completely flooded in a heavy rainstorm and was totaled. The insurance claim process was quite uncertain. Insurance companies mainly check whether your policy includes additional coverage for water damage or natural disasters. If so, they’ll assess the damage and compensate accordingly. The total loss threshold is usually when repair costs exceed about 70% of the vehicle’s actual value, in which case they’ll pay out the residual value. When filing a claim, report it immediately, take photos, and don’t move the car to avoid secondary engine damage. I had comprehensive coverage at the time and got compensated, but they deducted a deductible of a few thousand. My advice now is to opt for insurance with added water damage coverage, park away from low-lying areas, and if water gets in, turn on hazard lights and pull the handbrake first. After all, a totaled car isn’t just about money—it’s a bigger safety hazard.
