Will Car Insurance Cover Flood Damage?

1 Answers
AliyahLee
09/06/25 3:08am
According to relevant regulations, vehicle damage caused by general "natural disasters" such as heavy rain, floods, landslides, and mudslides falls under the coverage of the commercial auto insurance's vehicle damage insurance, and the insurance company will provide compensation. Here are the specific details: 1. Non-covered scenarios: If the engine stalls while driving through water and the vehicle owner forcibly restarts it, causing engine water damage, the insurance company may refuse to compensate. Therefore, if the vehicle stalls while driving through water, do not attempt to restart it. Additionally, if the driver knowingly proceeds through severe flooding, resulting in engine damage, the insurance company will also not cover the costs. 2. Water damage insurance: Water damage insurance is an additional property insurance. It applies to engine damage caused by driving through water or submersion, and falls under the compensation terms of water damage insurance.
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