Will Insurance Cover a Car Flooded by Water?

1 Answers
LeSophia
07/29/25 3:13am
If you have purchased auto damage insurance, the insurance company will cover the damages. According to the relevant provisions of the insurance policy, vehicle losses caused by general "natural disasters" such as rainstorms, floods, landslides, and mudslides fall under the coverage of auto damage insurance in commercial auto insurance, and the insurance company will provide compensation. Important Notes: If the engine stalls, leave the vehicle immediately and do not restart the engine, as this could cause engine damage. If the car is submerged while parked and stationary, promptly call the insurance company's claim hotline. Do not attempt to start the vehicle on your own before the insurance adjuster arrives. The insurance company will arrange to tow the car to a repair facility based on the situation. Insurance Company Denials: If the engine stalls while driving through water and the engine is damaged due to forcibly restarting it, the insurance company may deny the claim. Additionally, if you knowingly attempt to drive through severe flooding and this results in engine damage, the insurance company will not cover the costs.
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