Is There Compensation for Cars Submerged in Heavy Rain?
2 Answers
Cars submerged in heavy rain are eligible for compensation. 1. Explanation: Typically, auto insurance coverage for water damage includes rescue fees such as towing charges, as well as costs for repairing electronic components inside the vehicle, replacing engine oil, three filters, and labor fees for damages caused by heavy rain accidents. If the owner has not purchased additional water damage insurance, the insurer will only compensate for damages when the vehicle was stationary and submerged, provided no attempt was made to forcibly start the engine. 2. Applicability of "Water Damage Insurance": This insurance covers situations where, during heavy rain or flooding, the insured vehicle is submerged up to the exhaust pipe or air intake, and the driver attempts to start the vehicle or uses inertia to start it; or when the vehicle is started without necessary post-flooding procedures. In these two scenarios, purchasing water damage insurance is necessary to receive corresponding compensation.
That time my car got flooded in the heavy rain was really distressing, but fortunately the comprehensive insurance covered natural disaster losses. I immediately contacted the insurance company to file a claim, and they sent someone to inspect the waterline on the vehicle to determine the compensation amount. Flooded vehicle compensation mainly depends on the type of insurance: compulsory traffic insurance doesn't cover this, you have to rely on the vehicle damage insurance in commercial insurance. Cases like mine where the car was flooded by heavy rain count as natural disasters, and if you haven't purchased waterlogging insurance, you might need to prove it wasn't due to human negligence. Remember to keep photos of the scene and water level marks to facilitate the claims process. If the claim is successful, the vehicle repair costs can basically be reimbursed. Without insurance, some local governments provide small-scale assistance after major disasters, but the amount is limited. I recommend car owners confirm their policy details in advance to avoid being caught off guard like I was.
