Is the insurance claimable if the vehicle is scrapped due to water damage?
2 Answers
Is the insurance claimable if the vehicle is scrapped due to water damage? The following is a specific introduction to vehicle loss insurance: 1. Coverage: Vehicle loss insurance, third-party liability insurance, theft insurance, seat liability insurance, glass breakage insurance, spontaneous combustion insurance, scratch insurance, and compulsory traffic insurance. 2. Scope: The insured vehicle falls parallel while driving, storms, tornadoes, lightning strikes, hail disasters, heavy rain, floods, tsunamis, ground subsidence, ice subsidence, cliff collapses, avalanches, mudslides, and landslides. The insured vehicle is stolen, robbed, or snatched, and during the period of being stolen, robbed, or snatched, or due to attempted theft, robbery, or snatching, it is damaged or parts and accessories of the vehicle are lost.
Last year, my car was totaled due to flooding from heavy rain. Fortunately, I had comprehensive insurance, and the insurance company handled the entire claim process. First, I immediately filed a report and provided photos. Then, they sent an assessor to inspect the car and confirm that the cause of the total loss was a natural disaster rather than human error. After that, they appraised the car's value, deducted some fees, and compensated me in full, saving me a lot of money. The whole process took two weeks, but I learned a few lessons: when buying car insurance, it's essential to choose the right coverage, preferably including natural disaster options, and to regularly review the policy to avoid discovering coverage gaps after an incident. In short, whether a flood-related total loss is covered depends on the insurance type and if it includes flood damage.
