Will insurance cover a car that was flooded while parked?

[IsaacMarie]

If you did not purchase waterlogging insurance, the insurance company will not compensate. If you forcibly start the engine after the car is flooded, the resulting damages will also not be covered by insurance. Below is relevant information: Regulations: According to China's motor vehicle insurance clauses, vehicle losses caused by natural disasters such as heavy rain or floods fall under the coverage of commercial auto insurance's vehicle damage insurance. Therefore, expenses like rescue fees, cleaning costs, electrical damages, and interior part losses incurred after a vehicle is flooded are all covered by vehicle damage insurance, and the insurance company should provide compensation. However, vehicle damage insurance does not cover engine water damage caused by flooding or secondary startups - this is covered by waterlogging insurance. Waterlogging Insurance: Also known as engine special loss insurance, it covers compensation for engine damage caused by driving through waterlogged roads or flooding. Additionally, since auto insurance clauses usually have a deductible rate, if you did not purchase the "no-deductible special clause," the insurance company will deduct the deductible amount before providing compensation after an accident occurs.