What to Do If Your Car Gets Flooded Without Purchasing Water Wading Insurance?

[DelDaniel]

Whether the car was parked on the roadside and flooded or stalled after driving into a waterlogged area, do not attempt to restart the engine or move the vehicle. While ensuring your own safety, promptly take photos of the vehicle damage and the scene for subsequent loss assessment. Call your insurance company to report the incident and wait for rescue. Note that you must report the incident within 48 hours of the accident.

[BennettFitz]

Last time my friend's car got flooded in a heavy rain. The most crucial thing is to immediately cut off the power and turn off the engine—never attempt to restart it. If water enters the engine and you try to start it again, the engine is basically totaled. At the time, I helped him take videos for evidence, then immediately called a tow truck to haul it to the repair shop. Removing the seats and drying the carpets cost over 2,000 yuan. Later, when checking the repair bill, we found that without flood insurance, only the comprehensive insurance could cover the cost of cleaning the circuit boards, while the engine repairs had to be paid entirely out of pocket. Now during the rainy season, I always park my car under overpasses. If I encounter flooded roads again, I'd rather call a Didi than take the risk.