What Type of Insurance Covers a Flooded Car?
2 Answers
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 damage caused by natural disasters such as rainstorms, floods, landslides, and mudslides is covered under the auto damage insurance of commercial auto insurance, and the insurance company will provide compensation. Insurance claim process for a flooded car: After a car is flooded, the insurance assessor will visit the accident scene to record and inspect the damage upon the owner's report. Subsequently, the car will be assessed at the repair shop, and compensation will be provided according to the insurance contract. Points to note when filing an insurance claim: Damage caused by restarting the engine after it has been submerged in water is not covered. Insurance companies consider that if the vehicle is driven into deep water, causing the engine to stall, and the driver forcibly restarts it, resulting in damage, this is deemed improper operation and is not within the scope of compensation.
Last time a friend asked about what insurance to use for a flood-damaged car, I thought I'd talk about it. A flood-damaged car is essentially a vehicle that has been submerged due to floods or heavy rain, and the most common coverage for this is through comprehensive car insurance. Comprehensive car insurance is a basic policy that covers losses caused by natural disasters such as floods and typhoons, including engine water damage, moldy interiors, and other related issues. However, it's important to note that if you only have compulsory traffic insurance or third-party liability insurance, these won't cover your own vehicle's damage, leaving you in a tough spot. I recommend everyone carefully review their policy terms, especially to check if full coverage includes flood damage. If you frequently drive in areas prone to heavy rain, make it a habit to regularly check your insurance to avoid panic when something happens. If your car gets flooded, take photos immediately for evidence and contact your insurance company to start the claims process—they usually arrange for towing and damage assessment. In short, investing in comprehensive car insurance is quite reliable; spending a little money can save you a lot of trouble.
