Will Insurance Cover a Car Flooded by Typhoon?

[Mitch]

Insurance companies will cover cars flooded during typhoons, but there are two scenarios with detailed explanations below: 1. If the vehicle is waterlogged but the engine is unaffected, the damage can be claimed under the Vehicle Damage Insurance: Vehicle Damage Insurance is one of the four main types of commercial auto insurance and the most commonly chosen by car owners. Without Vehicle Damage Insurance, even if Compulsory Traffic Insurance or Third-Party Liability Insurance is purchased, the owner cannot claim compensation from the insurance company for losses caused by water damage from heavy rain. 2. If waterlogging damages the engine without a second ignition, the damage can be claimed under Vehicle Damage Insurance plus Waterlogging Insurance: (1) Rainwater can enter the engine through the exhaust pipe, causing damage, which can only be compensated if Waterlogging Insurance is purchased. Waterlogging Insurance is an additional coverage purchased by the owner specifically for the engine, as the engine is undoubtedly the most valuable part of a car. (2) Waterlogging Insurance is an add-on to Vehicle Damage Insurance and cannot be purchased separately. The owner must first purchase Compulsory Traffic Insurance, then commercial auto insurance including Vehicle Damage Insurance, before adding Waterlogging Insurance. (3) The premium for Waterlogging Insurance is relatively low, but water damage to the engine can account for 20%-30% of the car's total value.