Will insurance cover a car flooded by water?
2 Answers
Insurance will provide compensation for vehicles damaged by flooding. Here is an introduction to insurance coverage for water-damaged vehicles: 1. Vehicle Damage Insurance: The comprehensive auto insurance reform, effective from 00:00 on September 19, 2020, expanded coverage to include theft, standalone glass breakage, spontaneous combustion, and deductible waiver. If the vehicle is deemed a total loss, the insurance company will compensate up to the insured amount of the vehicle damage insurance. 2. Water Wading Insurance: "Water Wading Insurance" is an additional coverage that cannot be purchased separately and must be added to the vehicle damage insurance. For those who have already purchased vehicle damage insurance, "Water Wading Insurance" can be added through the insurance company. This insurance has a 20% deductible rate, but if the deductible waiver is purchased for this coverage, 100% compensation can be obtained.
My old Sylphy got half its doors submerged during last year's rainy season, and it took forever to figure out whether insurance would cover it. If you only have compulsory traffic insurance, forget about it – you need comprehensive coverage for this. There are two critical scenarios: if the car is parked and gets flooded, you can usually get full compensation. My neighbor's Highlander had its engine replaced through insurance after being waterlogged in a parking lot. But if you drive into floodwaters, especially if the water's above the exhaust pipe and you stubbornly push forward, a secondary startup that ruins the engine will lead insurers to deny your claim citing improper operation. The repair guy told me – after wading through water, don't touch the ignition key. Immediately take a video showing license plates and water level, then file a claim within 48 hours. Now during monsoon season, I always park on elevated slopes under overpasses... learned this the hard way.
