Will a car submerged in heavy rain be compensated?
2 Answers
Compensation is available. In the event of heavy rain leading to vehicle submersion, provided that the car has purchased auto insurance, the insurance company will offer certain compensation and cover the financial losses. Below is relevant information: Components: Auto insurance typically consists of basic insurance and additional insurance. Basic insurance is further divided into vehicle damage insurance and third-party liability insurance. Coverage details: Vehicle damage insurance compensates for losses to the insured vehicle; third-party liability insurance covers damages to entities outside the insured vehicle, such as pedestrians, public property, or other vehicles; passenger liability insurance compensates for personal and property losses of passengers in the insured vehicle; theft insurance covers losses if the insured vehicle is stolen; no-deductible coverage ensures 100% compensation in case of an accident. Without no-deductible coverage, the policyholder bears 30% of the deductible for each incident.
Hey, my car almost got flooded in the heavy rain, so I specifically asked about insurance. It mainly depends on what type of insurance you have. If you have comprehensive coverage, it usually includes natural disaster damage, such as flooding from heavy rain, and the insurance company will likely cover the repair costs. But you need to check the specific terms, as some exclusions or deductibles may apply. After flooding, don't start the engine right away—take photos as evidence and call your insurance company to report the claim. They'll send someone to inspect and assess the damage. My neighbor's car got flooded last year, and insurance covered about 70-80% of the repair costs. Remember to check your policy coverage before the rainy season—adding comprehensive coverage is the safest bet. Without it, you might only get partial compensation or none at all, and paying thousands out of pocket for repairs isn't worth it. For prevention, park on higher ground, avoid low-lying areas, and regularly check the drainage system—safety first. In short, having insurance gives you peace of mind, so don't let one heavy rain ruin your wallet.
