Will Insurance Cover a Car Flooded by Heavy Rain?
2 Answers
Insurance will cover a car flooded by heavy rain. Below is a detailed introduction to the vehicle loss insurance: 1. Coverage includes: vehicle loss insurance, third-party liability insurance, theft insurance, seat liability insurance, standalone glass breakage insurance, spontaneous combustion insurance, scratch insurance, and compulsory traffic insurance. 2. Scope: The insured vehicle is damaged due to parallel falling while driving, storms, tornadoes, lightning strikes, hail disasters, heavy rain, floods, tsunamis, ground collapse, ice collapse, cliff collapse, avalanches, mudslides, or landslides. The insured vehicle is stolen, robbed, or snatched, and during the period of theft, robbery, or snatching, or due to attempted theft, robbery, or snatching, the vehicle is damaged or parts and accessories are lost. A car flooded by heavy rain falls under the compensation scope of vehicle loss insurance, but damage caused by engine water ingress is an exclusion clause in vehicle loss insurance.
My car was flooded in the last heavy rain, causing significant damage, but the insurance covered most of it. This is because most auto damage insurance now includes coverage for water damage, and the key is to check your policy. If you bought your insurance after the 2020 insurance reform, auto damage insurance typically covers flood damage from heavy rain, as long as it wasn’t due to improper operation by the owner, such as starting the engine after flooding. It’s essential to take photos and videos of the flooded condition as proof, and it’s best to report it directly to the insurance company for assessment. I recommend everyone regularly review their policy details—don’t skimp on this expense. In case of another heavy rain, you’ll have peace of mind. Usually, park on higher ground—prevention is always better than panicking afterward.
