What Insurance Covers Vehicle Damage Caused by Heavy Rain?
2 Answers
Vehicle damage caused by heavy rain is covered by water wading insurance. Below is relevant information about water wading insurance: Concept: Water wading insurance, also known as automobile loss insurance or engine special loss insurance. Main Coverage: Primarily covers compensation for engine damage caused by driving through waterlogged roads or vehicle submersion. Additional auto insurance coverages include comprehensive theft insurance, standalone glass breakage insurance, vehicle downtime loss insurance, spontaneous combustion insurance, and vehicle water wading insurance, among others. Of course, insurance companies may have different terms, so it's advisable to review the policy details of each insurance provider when purchasing coverage.
Last year, I encountered a heavy rainstorm in the south, and my car parked by the roadside was half submerged in water. I was really anxious at the time. Later, I contacted my insurance company and learned that this situation requires a claim under the auto damage insurance. Auto damage insurance covers damages caused by natural disasters, such as flooding from heavy rain. As long as you have purchased it, the insurance company will compensate for losses like engine water ingress and electronic component failures. However, remember that the car must be stationary when submerged. If you drive out during the heavy rain and cause damage, there might be issues with the claim. My claim went smoothly back then—just filled out a form, waited for the assessment, and got it repaired. So, if you haven’t bought this coverage, it’s best to add it, especially in areas with frequent rainy seasons. Don’t skimp and only get compulsory traffic insurance—it doesn’t cover these major disaster losses. Regularly check your policy to ensure your auto damage insurance is valid, so you can save yourself a lot of hassle when it matters most.
