Will Insurance Companies Compensate for Flood-Damaged Vehicles?
2 Answers
If you did not purchase the waterlogging insurance, compensation will not be provided for vehicles submerged in water if the insurance was purchased before the comprehensive reform of auto insurance was officially implemented. However, for auto insurance purchased after the implementation of the comprehensive reform, compensation will be provided as long as the vehicle damage insurance is included. Below is an introduction to the classification of flood-damaged vehicles: 1. Flood Level 1: The water just reaches the vehicle chassis, and the vehicle floor may become damp, but the likelihood of significant water ingress is low, and the impact on the vehicle's electrical equipment is minimal. 2. Flood Level 2: The water level reaches half of the wheels. Due to the incomplete sealing of the vehicle, water will begin to enter the interior. For lower cars, the water level inside may affect the adjustment motors of the seats and electrical components such as heating and ventilation. 3. Flood Level 3: The water almost completely submerges the tires. At this point, the water level inside the vehicle will completely submerge the seat cushions and the central armrest area, while also affecting a large number of electrical components.
Having worked in auto repair for over a decade, I've seen numerous flood-damaged vehicle cases. Insurance claims are indeed possible, but the key factor is what type of coverage you've purchased. Comprehensive insurance or specific vehicle damage insurance usually provides coverage - without these, you're basically out of luck. After flooding occurs, never start the engine immediately as this can cause greater damage. You should immediately contact 122 to report to traffic police and your insurer, who will dispatch specialists to assess the damage. Provide necessary documentation like water depth photos and accident reports. During repairs, be aware that vehicle electrical systems retain moisture-related risks including potential rust or short circuits - a thorough inspection is strongly recommended for safety. For regular parking, choose elevated locations and pay extra attention to weather forecasts during rainy seasons.
