What insurance is needed for compensation if a car is flooded?
2 Answers
To get compensation for a flooded car, you need to purchase vehicle damage insurance. Here are the specific details about vehicle damage insurance: 1. Regulations: Damage to a car caused by natural disasters like flooding falls under the coverage of vehicle damage insurance. During the insurance period, the insurer is responsible for compensating the direct losses of the insured vehicle caused by natural disasters, as stipulated in the insurance contract. This is within the scope of vehicle damage insurance liability. Compulsory insurance does not provide compensation. 2. Proportion: In cases of natural disasters and extreme weather conditions, vehicle damage insurance typically has a deductible of around 30%, meaning the insurance company compensates for 70% of the loss amount.
I remember one time when my car was flooded, causing significant losses. Fortunately, I had purchased vehicle damage insurance, which basically covers natural disasters such as flood damage. When buying a car, you should prioritize vehicle damage insurance—it compensates for repairs to body components like seats and wiring. However, don’t forget that if the engine is damaged due to water intake, standard vehicle damage insurance may not cover it. In such cases, you’ll need additional coverage like water ingress insurance or engine-specific insurance, which are designed for these issues. I recommend opting for a comprehensive insurance package early on instead of rushing to add coverage during the rainy season. Once the insurance is active, remember to file a claim promptly. Also, pay attention to weather warnings and park your car on higher ground to avoid trouble!
