Will insurance cover a car flooded in heavy rain?
2 Answers
Whether insurance covers a vehicle flooded due to heavy rain depends on the types of insurance the owner has purchased: Compulsory traffic insurance (CTI): If only CTI is purchased, the insurance company will not provide compensation. CTI and commercial insurance: If both CTI and commercial insurance are purchased, the insurance company will not cover engine damage. If commercial insurance includes vehicle damage insurance, the owner can call the insurance company's claims hotline to report the case after the car is submerged in water. The insurance company will then follow procedures to provide compensation. However, it is important to note that vehicle damage insurance does not cover engine water damage at this time. For other parts of the car, such as the interior or electronic control units, compensation will be determined based on the specific circumstances. CTI, commercial insurance, and water-related damage insurance: If the owner has purchased CTI, commercial insurance, and water-related damage insurance, the insurance company will provide compensation.
My car was flooded last summer after a heavy rainstorm when the water level rose and submerged it. At that time, I thought my car insurance covered everything, so I urgently called the insurance company. However, I found out that standard insurance types like vehicle damage insurance usually don’t cover natural disasters or water-related damages. Unless I had purchased additional water damage coverage, they wouldn’t compensate me. I suffered a significant loss that time, spending over ten thousand yuan on repairs, and learned an important lesson: always carefully ask about the coverage when buying insurance, especially in areas prone to rainy seasons. I recommend everyone take preventive measures—avoid driving into low-lying or waterlogged areas during heavy rain. If your car gets flooded, report it immediately without moving the vehicle to preserve evidence.
