Is There Insurance Coverage for Cars Submerged in Floods?

[EmeryLee]

According to the relevant provisions of China's motor vehicle insurance clauses, vehicle damage caused by natural disasters such as heavy rain and floods falls under the coverage of the commercial auto insurance's vehicle damage insurance. Therefore, expenses incurred from rescue operations, cleaning costs, electrical damage, and interior damage after a vehicle is submerged are all covered by the vehicle damage insurance, and the insurance company should provide compensation. Insurance Requirements: Compensation is only available if the vehicle is insured under the commercial auto insurance's vehicle damage insurance. Vehicles insured only with compulsory traffic insurance or commercial third-party liability insurance are not eligible for compensation. Coverage Details: The compensation scope of vehicle damage insurance includes rescue expenses, cleaning costs, and damage to electrical components or interior parts. However, engine damage caused by submersion in water or driving through water is excluded from coverage.