Will insurance cover a car submerged in a flood?

1 Answers
ManuelRose
07/29/25 10:16am
As long as the car owner has purchased vehicle damage insurance, they can call the insurance company after the car is submerged in water. According to the vehicle damage insurance policy, the insurance company is responsible for compensating for the total or partial loss of the vehicle caused by lightning, heavy rain, floods, waterlogging, tsunamis, etc. However, if the driver forcibly restarts the engine after the car stalls in water, causing engine damage, the insurance company will not cover such losses. Here is some relevant information: Friendly reminder: During heavy rain, move the car to a relatively safe location, preferably on higher ground, and avoid parking in underground garages to prevent issues like backflow. Vehicle water submersion insurance: Also known as water damage insurance, it specifically covers engine damage caused by water submersion. Only car owners who have purchased this insurance can receive corresponding compensation from the insurance company when the engine is damaged due to water submersion.
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