Will flood disasters be covered without purchasing vehicle damage insurance?

[AliyahMarie]

Flood disasters are not covered without purchasing vehicle damage insurance. Compensation rules: If vehicle damage insurance is purchased, it will cover losses other than the engine. If both vehicle damage insurance and waterlogging insurance are purchased, it will cover losses including the engine. However, engine damage caused by the owner restarting the engine a second time will not be compensated. Handling procedure: If the vehicle is submerged in water, immediately notify the insurance company and request their staff or an authorized third-party assessor to conduct an on-site inspection. However, in cases of large-scale flood damage, insurance companies often cannot respond promptly. In such cases, the owner or policyholder can take photos of the submerged vehicle with a camera or phone as evidence for the claim.