Is vehicle damage compensation covered for flooding caused by heavy rain?

[RyleeAnn]

For such vehicle losses caused by heavy rain, insurance companies will provide coverage. Below are the compensation scenarios for water-damaged vehicles under different circumstances: 1. Vehicle submerged while parked: If the car is submerged while parked and had previously purchased auto damage insurance, the insurance will cover the loss. If the vehicle is damaged by falling objects or utility poles during heavy rain or while drifting, these fall under the coverage of auto damage insurance. 2. Vehicle submerged while driving with secondary ignition: When a car stalls due to water ingress while driving through flooded areas and the driver attempts to restart the engine, regardless of whether the old version of water-related insurance purchased before the insurance reform on September 19, 2020, or the new version of auto damage insurance is in effect, the insurance company has the right to refuse compensation for engine damage caused by such actions.