Will Insurance Cover a Car Flooded in Heavy Rain?
2 Answers
If the car insurance policy was purchased after September 19, 2020, it already includes water damage coverage, eliminating the need for a separate purchase. For policies purchased before this date, the owner must confirm whether water damage coverage was added; otherwise, insurance claims cannot be processed. Below is additional information about vehicle water damage: For fuel-powered vehicles, the engine is the most expensive part. If the engine is turned off when submerged, it will not be damaged, significantly reducing the insurance company's losses. Other components and electrical wiring suffer similar damage as in electric vehicles. Note: During heavy rain, park the car in a relatively safe, elevated location, avoiding underground garages to prevent issues like backflow.
Sigh, mentioning this reminds me of last year when my car got flooded during a typhoon, completely submerged in water—what a hassle. Will the insurance company cover it? It mainly depends on what your policy includes. I had comprehensive insurance with natural disaster coverage, and they later reimbursed the repair costs, including engine cleaning and replacing water-damaged parts. But you must act quickly: never start the car after flooding, as it can cause short circuits and make things worse. Call the insurance company immediately to report the claim and take photos of the scene as evidence. If you only have basic insurance without natural disaster add-ons, you might not get a penny. I recommend regularly checking your policy details and adding flood coverage if you live in a disaster-prone area—don’t skimp on this. Also, pay attention to parking locations—avoid low-lying areas, and opt for garages or higher ground during rainy seasons for safety.
