Will Insurance Companies Compensate for Vehicles Damaged by Natural Disasters and Flooding?
1 Answers
Insurance companies compensate for vehicles damaged by natural disasters and flooding under certain conditions. If you have purchased vehicle damage insurance, according to relevant insurance regulations: the insurance company will compensate for vehicle damage caused by natural disasters (except earthquakes), including lightning strikes, storms, tornadoes, heavy rain, floods, ground collapse, cliff collapse, avalanche, hail, mudslides, landslides, tsunamis, and other disasters. No Compensation for Secondary Startup After Flooding: The insurance company will not compensate for losses caused by starting the insured vehicle in water that submerges the exhaust pipe or by improper operation after the vehicle is submerged, leading to engine damage. In other words, if the vehicle is started again after being submerged, causing damage, the insurance company will not be responsible for compensation. Therefore, when a vehicle is submerged in water, remember not to start it again to prevent water from flowing back and damaging the engine, as the insurance company will not compensate for such damage. Precautions for Driving in Rainy Weather: When driving through water at low speed, always use a low gear, maintain steady throttle, and pass through slowly. Do not stop or shift gears midway, as this can easily cause the vehicle to stall and damage the engine. When driving at low speed in heavy rain, due to the increased water on the road and reduced friction between the tires and the road surface, it is essential to reduce speed appropriately, hold the steering wheel steady, and prevent the vehicle from losing control.
