What Insurance Should You Buy After Your Car Is Flooded?
1 Answers
After your car is flooded, you should purchase vehicle damage insurance. Here are the key points to note: 1. If the vehicle is parked and gets flooded: Full compensation is available as long as you have vehicle damage insurance. 2. If the vehicle is flooded while driving: For car insurance policies purchased after September 19, 2020, water damage coverage is already included, so no separate purchase is needed. For policies purchased before that date, the owner needs to confirm whether water damage coverage was purchased; otherwise, insurance claims cannot be processed. 3. If the vehicle stalls due to flooding and is restarted, no compensation will be provided: If the car stalls while driving due to flooding, leave the vehicle immediately and do not restart the engine, as this can cause engine damage. If the car is flooded while parked, contact the insurance company’s claim hotline promptly. Do not attempt to start the vehicle before the insurance adjuster arrives. The insurance company will arrange to tow the car to a repair shop based on the situation. 4. No compensation without vehicle damage insurance: If the vehicle does not have vehicle damage insurance, the insurance company will not provide compensation, and the owner will have to pay for repairs out of pocket after the car is flooded.
