Will Insurance Companies Compensate for Cars Submerged in Zhengzhou's Heavy Rain?

[DelElias]

Whether car insurance will compensate for vehicles submerged in the heavy rain in Zhengzhou, Henan, depends on whether the owner has purchased vehicle damage insurance. If not, the insurance will not cover the loss. If purchased, the insurance can compensate, including losses to the engine caused by driving through floodwaters during the rain. There are three scenarios for compensation when a vehicle is submerged: Scenario 1: If the vehicle is parked and submerged, and the owner has vehicle damage insurance, the insurance will fully cover the repair costs. Scenario 2: If the vehicle stalls and is submerged while driving, and the owner has waterlogging insurance, the insurance will cover the loss. Without waterlogging insurance, only parts other than the engine will be compensated. Scenario 3: If the engine is damaged due to forcibly starting a submerged vehicle, the insurance will not compensate. When a vehicle is submerged, the first step is to take photos as evidence, then promptly call the insurance company to report the incident and file a claim.