Will flood disasters be covered without purchasing vehicle damage insurance?
4 Answers
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.
I've been driving for almost 20 years and have seen many cases of cars being flooded after water disasters. If you haven't purchased vehicle damage insurance, the insurance company basically won't cover losses caused by natural disasters, because vehicle damage insurance is responsible for such incidents. When floods or heavy rains damage your car, repairs can easily cost tens of thousands, and you'll have to pay out of pocket. A friend of mine didn't have comprehensive insurance last year, and his car was totaled in a flood, forcing him to buy a new one—a huge loss. It's best to develop the habit of regularly checking your insurance coverage, especially if you live in low-lying areas. Adding water-related damage insurance before the rainy season is even better—safety first, and it gives you peace of mind while driving. Don't wait until something happens to regret it. Buying insurance is spending money for peace of mind; saving a little now might lead to big trouble later.
As someone who frequently assists with insurance claims, I understand your concern. If a vehicle is damaged in a natural flood without having purchased vehicle damage insurance, the insurance company typically won't compensate, as vehicle damage insurance covers incidents like floods. With only compulsory traffic insurance, it only covers others' losses, not your own vehicle's repair costs. If the car owner overlooks this, they'll have to bear the loss themselves. It's advisable to assess risks in advance—low-risk areas might only require basic insurance, but high-risk zones definitely need comprehensive coverage, and water submersion insurance can also be added. From a cost-saving perspective, spending a bit more on premiums is far more economical than paying for repairs afterward. Remember to review the terms carefully when signing the contract, as many additional protections can be customized—don't get caught out.
I'm the car owner and saved money by not purchasing comprehensive insurance. Last year, my car was flooded, and the dashboard was completely damaged. The insurance company checked the policy and said it only covers third-party liability, not natural disasters. I had to pay over 10,000 yuan out of pocket for repairs, which I deeply regret. The lesson is that without insurance for natural disasters, you have to cover the costs yourself. It's best to buy full coverage or additional flood insurance in advance. Don't take chances—check your policy now.
