Will Insurance Cover a Car Flooded While Parked?

1 Answers
VonGrant
07/29/25 12:54pm
If a car is flooded while parked and the owner has purchased both vehicle damage insurance and water submersion coverage, they can receive compensation. Below is extended information regarding vehicles flooded in parking lots: Important Notes: If the loss is caused by the owner attempting to start the vehicle a second time after discovering water damage, the insurance company will absolutely not cover it. Upon discovering the car is flooded, do not attempt to start the vehicle immediately. Instead, first call the insurance company to report the incident. Note that the insurance company must be notified within 24 hours, or the claims process will become very complicated. Compulsory Traffic Insurance Does Not Cover: If the owner has vehicle damage insurance, they can file a claim with the insurance company. However, if only compulsory traffic insurance is purchased, the insurance company will not provide compensation.
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