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.

[MacKatherine]

Last year during the flood, my car suffered badly—it was half-paralyzed by water damage. I had comprehensive insurance that covered natural disasters, so I immediately contacted the insurance company. They sent someone to take photos on-site, assess the damage, and after the evaluation, arranged for a tow truck and repairs. The whole process went smoothly. But remember, whether insurance covers it depends on what policy you have; third-party liability only covers personal injury, not vehicle damage, so water submersion isn’t covered. After flooding, don’t tamper with the car—especially don’t start the engine—or repairs will be costlier and harder. Always check your policy terms beforehand and opt for comprehensive coverage that includes flood damage, so you won’t be scrambling at the last minute.

[ClaraDella]

As a new driver who just bought a used car a few months ago, I panicked when encountering a flood. Quickly checking the insurance policy, I was relieved to find I had comprehensive coverage—which usually includes flood damage, unlike third-party insurance. I immediately called the police to document the scene and arranged for a tow truck. The insurance company handled it quickly, just requiring the location and photos of the incident. After flooding, cars often suffer water damage to electronic systems and seats, and without prompt action, you might end up paying out of pocket. When buying car insurance, it's best to opt for comprehensive coverage with natural disaster protection for peace of mind in emergencies.

[LaEloise]

Water-damaged cars are often tricky to repair. Issues like engine flooding, corroded electrical wiring, and moldy seats typically require extensive overhauls. I've personally dealt with such cases—whether insurance covers it depends on your policy scope. Comprehensive insurance includes such disaster damages, saving significant costs, but third-party insurance won't compensate. After flooding, owners should immediately cut power and document with photos. With high repair costs, uninsured owners bear full expenses. During routine maintenance, opting for coverage that includes natural disasters proves far more cost-effective.