Will Insurance Cover a Car Flooded by Rainwater?
1 Answers
Whether insurance will cover a car flooded by rainwater depends on whether the vehicle's engine is damaged and whether the damage was caused by attempting to restart the engine after flooding. If the damage is due to restarting the engine, the claim will be denied. Otherwise, if the owner has purchased waterlogging insurance, the claim will be processed. Avoid Restarting the Engine: If the vehicle is submerged to the body by rainwater, the engine is usually already flooded, making the car undrivable. If the car stalls, the owner must be careful not to restart the engine to avoid complications with the insurance claim. Request Rescue Promptly: After the vehicle is flooded, the driver should assess the water level. If the water has reached the body, they should leave the car immediately, move to higher ground, and call for rescue services to arrange for a tow truck.