Will Insurance Cover a Car Flooded by Rain?
2 Answers
Insurance will cover a car flooded by rain. Here is a detailed introduction to vehicle damage insurance: 1. Coverage includes: vehicle damage insurance, third-party liability insurance, theft insurance, seat liability insurance, glass breakage insurance, spontaneous combustion insurance, scratch insurance, and compulsory traffic insurance. 2. Scope: The insured vehicle is covered for parallel falling during driving, storms, tornadoes, lightning strikes, hail disasters, heavy rain, floods, tsunamis, ground collapse, ice collapse, cliff collapse, avalanches, mudslides, and landslides. The insured vehicle is also covered for theft, robbery, or snatching, as well as damage or loss of parts and accessories during or due to attempted theft, robbery, or snatching.
Speaking of whether insurance covers flood damage to cars, I experienced it myself last year. That heavy rain flooded half of my car, and I immediately took photos as evidence and contacted the insurance company to check my policy. Fortunately, I had purchased water damage insurance, and they sent someone to inspect it. After assessment, they covered over 6,000 yuan in repair costs. Otherwise, basic car damage insurance doesn’t cover flood damage, and you’d have to pay out of pocket. It was a big lesson—now I always check my policy before the rainy season and recommend everyone add water damage insurance as an additional coverage. Don’t cut corners and risk bigger problems. Also, always park on higher ground to avoid low-lying areas. If your car does get flooded, don’t start the engine to prevent short circuits—just call for a tow truck.
