Will Insurance Cover a Car Flooded in an Underground Garage?

[DiJoseph]

If a car is damaged due to flooding in an underground garage, as long as the vehicle is insured under the vehicle damage insurance, the insurance company will compensate for the loss as a natural disaster. Below is a brief introduction to auto insurance: 1. Components: Auto insurance generally consists of basic insurance and additional insurance. Basic insurance is further divided into vehicle damage insurance and third-party liability insurance. 2. Coverage: Vehicle damage insurance covers the loss of the insured vehicle; third-party liability insurance covers damages to targets outside the insured vehicle, such as people hit, public property, or other vehicles; passenger liability insurance covers personal and property losses of passengers in the insured vehicle; theft insurance covers the insured vehicle in case of theft; no-deductible coverage ensures 100% compensation in case of an accident.

[DePeyton]

Last year, my car was also flooded in an underground garage. Fortunately, I had purchased vehicle damage insurance, and after an inspection by the insurance company, they fully covered the repair costs. Vehicle damage insurance typically covers flood disasters, including heavy rain and water accumulation, but this wouldn't be the case if you only have basic compulsory insurance. Underground garages are prone to water accumulation due to their low-lying position, so it's advisable to move your car to higher ground during the rainy season. When filing a claim, contact your insurance company immediately without delay, take photos or videos as evidence, and avoid missing the reporting deadline. My neighbor, who didn't have vehicle damage insurance, ended up paying tens of thousands out of pocket to repair the engine after the flood—a hard lesson learned. Regularly checking your insurance policy to ensure adequate coverage is always a good practice.

[FelixFitz]

Whether the insurance covers a car flooded in an underground garage depends on the specific situation. If you have purchased auto damage insurance, it's generally not a problem since post-reform, this coverage includes flood damage. A friend of mine faced a similar situation—he promptly filed a claim via the app with complete photos, and the damage assessment was quickly settled. The key is not to forget checking your policy or contacting customer service to confirm the terms. For daily parking, choose places with good drainage, like the upper levels of a parking garage, to reduce risks. For modified cars, insurance requirements need extra attention, but overall, following the rules makes the claims process smooth. Don't delay too long, or evidence might get washed away.

[Kieran]

The cost of repairing an engine that has been flooded is high, and insurance may cover it provided that the car owner has purchased vehicle damage insurance. From my experience, most car owners opt for this coverage, which includes protection against flooding in underground parking garages. Before parking, check the drainage facilities, and during heavy rain, try to move the car to ground level. The claims process is straightforward: just report the incident, assess the damage, and proceed with repairs. Don’t hesitate—address the issue early to minimize losses.