What insurance covers vehicle damage caused by heavy rain?
2 Answers
Vehicle damage caused by heavy rain is covered by waterlogging insurance. Below is relevant information about waterlogging insurance: 1. Concept: Waterlogging insurance, also known as automobile loss insurance or engine special loss insurance. 2. Main coverage: It mainly provides compensation for engine damage caused by driving through waterlogged roads or being submerged in water. Additional auto insurance coverages include comprehensive theft insurance, standalone glass breakage insurance, vehicle downtime loss insurance, spontaneous combustion loss insurance, and vehicle waterlogging insurance. Of course, insurance companies may have different terms, so it's advisable to review the policy details of various insurers when purchasing.
I remember one time during a heavy rainstorm, my car was half submerged in water, and I later learned that comprehensive auto insurance covers such situations. It can compensate for damages caused by floodwater from rainstorms, including waterlogging, electrical short circuits, or body corrosion. When filing a claim, I immediately contacted the insurance company to report the incident, took photos to document the waterline level, and avoided moving the car to prevent further damage. The insurance company sent an adjuster to assess the damage, and most of the repair costs were reimbursed, though I had to pay a deductible. Without this coverage, the repair costs would have been much higher—flood damage could cost 3,000 to 5,000 yuan just to replace the interior. I also recommend checking your car’s seals before the rainy season, avoiding parking in low-lying areas, and staying alert to weather warnings. When buying car insurance, carefully review the policy terms to ensure natural disasters are included—don’t skip coverage to save money, or you might regret it later.
