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Will a flooded new car be replaced with a new one?

1 Answers

DiJoel

07/29/25 11:16pm

No, it cannot be replaced with a new car, but compensation can be provided according to the terms of the auto damage insurance. According to the auto damage insurance clauses, compensation applies to vehicles submerged due to garage flooding or damaged by falling trees or rocks caused by heavy rain. In post-storm damage claims, as long as the engine is not flooded, all repairs and part replacements are covered under the auto damage insurance. Below is an introduction to insurance compensation for flooded new cars: 1. Vehicle submerged while parked: With auto damage insurance, full compensation is provided. If the vehicle is damaged while stationary due to flooding, as long as auto damage insurance is purchased, it falls within the insurance company's compensation scope. This includes vehicles submerged in garages—the resulting damage is covered by auto damage insurance, and the insurance company will provide full compensation. If the vehicle is submerged while stationary, do not move it; instead, report the incident immediately, take photos, and follow the claims process. 2. Vehicle submerged while driving: For car insurance purchased after September 19, 2020, with auto damage insurance, full compensation is provided. Additional coverages like theft insurance, glass insurance, and engine flooding insurance have been merged into auto damage insurance, eliminating the need for separate purchases to qualify for claims. For car insurance purchased before September 19, 2020, with auto damage insurance + flooding insurance, full compensation is provided. If the loss occurs due to unclear judgment of water depth while driving, and the policyholder has auto damage insurance + flooding insurance, the insurance company will provide full compensation; if only auto damage insurance is purchased without flooding insurance, compensation will only cover damages excluding the engine.

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