Will Insurance Cover a Car Flooded by Rain?
2 Answers
Insurance will cover a car flooded by rain. Below is a partial introduction to auto insurance: Components: Auto insurance generally consists of two parts—basic insurance and additional insurance. Basic insurance is further divided into vehicle damage insurance and third-party liability insurance. Coverage Details: Vehicle damage insurance compensates for losses to your own vehicle; third-party liability insurance covers damages to targets outside your own vehicle, such as people hit, public property, or the other party's car; passenger liability insurance compensates for injuries or property losses to people inside your own vehicle; theft insurance covers situations where your vehicle is stolen; no-deductible coverage ensures 100% compensation in case of an accident—if you don't purchase no-deductible coverage, you will bear 30% of the deductible for each accident.
My car was parked in a low-lying area during a heavy rainstorm and got flooded. Honestly, I was quite panicked and immediately called my insurance company to report it. After their inspection, they said my car damage insurance covered natural disaster losses, so I basically got full compensation. But a reminder: not all situations are covered. If you force your way through deep water while driving and the engine stalls, the insurance company might consider it operational error and refuse to pay. I suggest everyone carefully read the terms when buying car insurance, especially since water damage coverage often needs to be purchased separately. Otherwise, repair costs can easily run into thousands, which is hard to bear alone. During the rainy season, always park on high ground and avoid underground parking—this is a lesson learned the hard way. When reporting to insurance, take photos as evidence, record the waterline, and handle it as quickly as possible.
