Will Insurance Companies Compensate for Flood-Damaged Vehicles?

[MargaretAnn]

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.

[AlainaLynn]

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.

[DeCaroline]

Last time my car got flooded in a city rainstorm, I panicked. Luckily, I had comprehensive insurance and reported the claim promptly. They handled it quickly, advised me not to move the car, and towed it to a repair shop for assessment. They covered 80% of the costs but deducted a few hundred yuan as the deductible. After that experience, I learned the importance of having sufficient insurance coverage for flood risks. Even after repairs, there were always minor issues when driving. I recommend other car owners to stay calm in such situations, follow the proper procedures, and avoid attempting repairs themselves to prevent unnecessary expenses.

[OBrooke]

As an ordinary car owner, I'm concerned about flooding issues. Regarding insurance claims, if you have comprehensive coverage, the insurance company will compensate you, but you must report it on the same day; otherwise, the claim will expire and become invalid. If your car is flooded, do not start the engine; call for repairs immediately. To stay safe, avoid driving in low-lying areas. Repairs might take some time, so it's advisable to compare quotes from several repair shops.

[StParker]

For water-damaged vehicle claims, I recommend first checking the insurance policy. If you have comprehensive coverage, compensation is generally available. The process involves calling the police (122) to obtain a report, contacting the insurance company for damage assessment, and preparing documents such as your driver's license and policy information. Remember to account for the deductible when calculating repair costs, as not all expenses may be covered. To mitigate risks, opt for higher coverage limits when purchasing insurance.

[Theresa]

I observed that water submersion causes severe damage to vehicles. Electric motors can easily be ruined if flooded. While insurance companies may cover the claims, they require evidence of water damage such as photos. Post-claim repairs can be troublesome as internal structures may corrode. It is advisable to conduct a thorough cleaning to prevent future issues. When parking, avoid water puddles to protect the vehicle and extend its lifespan.