Will insurance cover a car flooded by rain?
2 Answers
If a private car is flooded by heavy rain and the owner has purchased waterlogging insurance, the losses incurred from the flooding will be compensated. However, if this insurance is not purchased, the insurance company will not be responsible for compensation. Only by additionally purchasing a waterlogging damage insurance (applicable only to non-commercial vehicles) can one receive compensation in such situations. Here is additional information: Relevant regulations: Article 21 of the "Insurance Law of the People's Republic of China" states that the policyholder, insured, or beneficiary must promptly notify the insurer upon becoming aware of an insured event. If the notification is intentionally or negligently delayed, making it difficult to determine the nature, cause, or extent of the loss, the insurer will not be liable for the portion that cannot be determined, unless the insurer has already become aware or should have become aware of the insured event through other means.
My car was flooded in a heavy rainstorm last year, and I was so nervous at the time that I immediately called my insurance company. They said that as long as I had vehicle damage insurance, most of the costs would be covered, and in the end, they indeed reimbursed a large portion. It turns out that car insurance is divided into different types; for example, vehicle damage insurance usually covers flood damage, but flood insurance is more comprehensive. I recommend asking more about the details when purchasing car insurance, unlike me who just bought it casually back then. Now, whenever there's heavy rain, I park my car on higher ground, just in case. Actually, after flooding, cars can have many internal issues, such as short circuits in the wiring or engine damage. Delaying repairs can make things worse, so even if the insurance covers it, don't delay—get it fixed quickly and back on the road.
