What Kind of Insurance Covers a Flooded Car?

1 Answers
LaMaximus
07/30/25 2:32am
If a car is flooded due to rain, it falls under the coverage of auto damage insurance. According to the relevant provisions of the insurance policy, vehicle losses caused by natural disasters such as heavy rain, floods, landslides, and mudslides are covered under the auto damage insurance of commercial auto insurance, and the insurance company will provide compensation. After a car is flooded, the insurance loss assessor will visit the accident scene to record and inspect the damage upon the owner's report. Subsequently, the car will be assessed for damages at the repair shop, and compensation will be made according to the insurance contract. Exclusions under auto damage insurance include: 1. No coverage for emotional distress: Most insurance policies have similar provisions, as insurance companies lack a standard for assessing emotional harm. Any compensation related to emotional distress caused by an insurance incident is excluded. 2. No coverage for drunk driving, unlicensed driving, or driving without an annual inspection: In these cases, the driver is not qualified to drive on the road and is in serious violation of traffic laws. Additionally, if the driver's license does not match the vehicle type or if the driver is in the probationary period driving on highways, the insurance company will also refuse to pay. 3. No coverage for damage caused by restarting the engine after water ingress: Insurance companies consider that if the vehicle is driven into deep water and the engine stalls, and the driver forcibly restarts it causing damage, this is due to improper operation and is not covered under the compensation scope.
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