Will Insurance Cover a Car Flooded in the Garage?
2 Answers
If a car is flooded in a parking lot, the insurance company will not cover the damages. Below is relevant information about the waterlogging insurance: 1. Definition: Waterlogging insurance is a newly derived type of auto insurance, primarily an additional coverage purchased by car owners for the engine. It applies when the insured vehicle is submerged up to the exhaust pipe or intake pipe due to heavy rain or flooding, and the driver continues to start the vehicle or attempts to start it using inertia; or when the vehicle is started without necessary repairs after being exposed to heavy rain or flooding. In these two scenarios, purchasing waterlogging insurance is necessary to receive corresponding compensation. 2. Claim Handling: Compensation is provided based on actual repair costs within the insured amount. However, if the cumulative claim amount reaches the insured limit during the policy period, the insurance liability terminates. Each claim under waterlogging insurance is subject to a 15% absolute deductible rate.
I just bought a new car not long ago, and it got flooded in the garage. I panicked, worrying that the insurance wouldn’t cover it and I’d have to spend a fortune on repairs. Actually, whether it’s covered depends on your insurance type: if you have comprehensive coverage, it usually covers flood damage caused by natural disasters, including accidents in the garage; but if you only have basic insurance like liability, it likely won’t cover flood damage. Immediate action is crucial: don’t open the doors or start the engine to avoid short circuits and further damage. Take photos for evidence and call your insurance company to file a claim—they’ll arrange for a tow truck. For prevention, choosing a high-altitude garage spot or adding waterproof thresholds can reduce risks. Regularly review your insurance policy to ensure it covers flood incidents, so you won’t be caught off guard in similar situations. After this experience, I started paying attention to climate change and reinforced my garage’s drainage system.
