Will Insurance Companies Compensate for Vehicles Flooded by Natural Disasters?
2 Answers
Insurance companies will compensate for vehicles flooded by natural disasters. Here are the details: 1. Compensation: If you have purchased waterlogging insurance, the repair costs for the engine after flooding will be covered. 2. Coverage: Compensation is provided, but not for all damages. According to the relevant provisions of the national motor vehicle insurance clauses, vehicle damage caused by natural disasters falls under the scope of commercial auto insurance's vehicle damage insurance. The compensation only includes rescue costs, cleaning costs, electrical losses, and interior part losses. The most critical part of the car, the engine, is not included and will not be compensated. Repairs for the engine must be paid out of pocket. Only if you have purchased waterlogging insurance will the repair costs for the engine after flooding be covered. Damage to the engine caused by a second start will not be compensated by the insurance company.
Last year during the heavy rainstorm, my neighbor's car got flooded. Luckily, he had purchased auto damage insurance. After the auto insurance reform, the auto damage insurance now directly covers water-related damage. As long as the water damage is caused by natural disasters like typhoons or floods, the insurance company will generally compensate. Remember to call 110 and the insurance company immediately to report the incident, and take photos of the flooded car on the spot. But there's one big mistake you must avoid: never attempt to restart the engine after it stalls, or the insurance won't cover engine damage. When filing a claim, bring documents like the insurance policy and driver's license. The loss assessor will determine the compensation based on the extent of water damage.