Under what circumstances does insurance cover water-damaged vehicles?
2 Answers
Driving through accumulated water leading to engine and body immersion, or stationary parking resulting in water ingress due to flooding, are both eligible for compensation. Automobile Insurance: Vehicle insurance, also known as motor vehicle insurance or simply car insurance, refers to a type of commercial insurance that covers personal injury, death, or property damage caused by natural disasters or accidents involving motor vehicles. Pilot Program of Chinese Auto Insurance: In 1950, shortly after the founding of the People's Republic of China, the newly established People's Insurance Company of China initiated automobile insurance. However, due to insufficient publicity and biased understanding, disputes soon arose regarding this insurance. Some argued that car insurance, including third-party liability insurance, which provides economic compensation to offenders, would lead to an increase in traffic accidents and have a negative impact on society.
That day my car was parked on a hillside when a flood hit, and the entire vehicle got submerged in water. The repairs cost around seven to eight thousand yuan. Fortunately, I had purchased additional water damage insurance beforehand, and the insurance company ended up covering the full cost. The key factor was whether it was an accidental situation—for example, if the car was parked in a safe spot and got flooded, it would qualify for coverage. But if you deliberately drove into deep water, they definitely wouldn’t pay. I also discussed this with a friend, who mentioned that last time during heavy rain, his car was parked in an underground garage, and the water rose so fast that the car got soaked—he also received full compensation. I’d advise everyone to avoid parking in low-lying areas during the rainy season and to make sure you clarify the details of water damage coverage when buying insurance to avoid headaches later. Safety first, after all.
