What insurance should be claimed if the car is flooded during heavy rain?

[DiEloise]

If the car is flooded during heavy rain, you should claim the vehicle damage insurance and the water-related damage insurance. Here are the relevant introductions: 1. Water-related damage insurance: Water-related damage insurance is an additional property insurance. It applies to the damage of the engine caused by driving through waterlogged roads or being submerged in water for the insured vehicle, according to the claim terms of the water-related damage insurance. 2. Vehicle damage insurance: Vehicle damage insurance is the main type of insurance for claims after heavy rain. According to the insurance company's contract terms, whether the insured vehicle is damaged due to natural factors such as lightning, storms, tornadoes, heavy rain, floods, tsunamis, ground subsidence (but excluding earthquakes), or due to accidental incidents causing scratches or severe damage to the insured vehicle, the owner can apply for compensation from the insurance company.