Will Insurance Cover a Car Flooded in the Garage?
2 Answers
After purchasing auto damage insurance, the insurance company can provide compensation for a car flooded in an underground garage. The relevant introduction to auto damage insurance is as follows: Introduction 1: Auto damage insurance is a type of commercial insurance where the insured receives compensation for damage to the vehicle caused by an insured accident while driving the insured vehicle. It covers damage to the insured vehicle caused by an insured accident while the insured or an authorized driver is operating the vehicle, with the insurance company providing compensation within reasonable limits. Introduction 2: Auto damage insurance is a basic coverage that primarily compensates for the loss of the insured vehicle and any damage caused to third parties by the insured vehicle during use.
Last year when my garage flooded, my car was also affected. Fortunately, I had comprehensive car insurance, and the insurance company paid the full repair cost without hesitation. The claims process wasn't too complicated: as soon as the floodwaters receded, I took photos of the water level in the garage and the water damage marks on the car, filled out an application form and sent it to the insurance company. They sent a specialist to inspect the car, and after confirming it was due to natural causes, they paid directly. The key point is that you must have purchased comprehensive car insurance, otherwise you won't get a penny. Additionally, choosing a garage location on higher ground can reduce risks, and checking drainage pipes before the rainy season is a good habit. My neighbor didn't have this insurance and suffered huge losses, so I regularly check my policy updates to avoid any loopholes.
