Will Insurance Companies Compensate for Flooded Vehicles?

[RosalieRose]

According to the relevant provisions of the national motor vehicle insurance clauses, vehicle losses caused by natural disasters such as rainstorms and floods fall under the coverage of auto damage insurance, and the insurance company should provide compensation. However, for engine damage caused by flooding and secondary ignition, auto damage insurance does not cover the loss, but waterlogging insurance does. Below is an introduction to waterlogging insurance: Vehicle Waterlogging Insurance: Also known as engine special loss insurance, it is an additional insurance purchased by the car owner for the engine. Relevant regulations: If the engine damage caused by waterlogging insurance is due to the car owner's belief that the engine was flooded after immersion, the insurance company may not compensate. Determining whether the damage was caused by intentional behavior is difficult, which can easily lead to insurance fraud. Considering their own operational efficiency, insurance companies are reluctant to recommend waterlogging insurance.