Will Insurance Cover a Car Washed Away?
2 Answers
If a car is washed away by floodwaters and the owner has purchased auto damage insurance, they can file an insurance claim. The owner of the vehicle that has been damaged or lost due to the disaster should report the incident to the insurance company as soon as possible to process the claim. If the car is covered by auto damage insurance and is damaged due to being submerged in water while parked, the insurance company will fully cover the repair costs. Below is a detailed introduction to commercial vehicle insurance: 1. Auto Damage Insurance: Covers losses caused by natural disasters and accidents to the vehicle itself. It is recommended for new drivers to purchase this. 2. Third-Party Liability Insurance: Covers losses caused by the owner to third parties in terms of personal injury or death. This is a must-have for protection for both yourself and others. 3. No-Deductible Insurance: An additional insurance that transfers the responsibility the owner would otherwise bear to the insurance company, reducing the owner's losses. It is advisable to purchase this if you have both auto damage insurance and third-party liability insurance. 4. Theft and Robbery Insurance: Covers damages caused by theft, robbery, or forcible seizure of the vehicle. It is recommended for owners without a garage. 5. Passenger Liability Insurance: Covers losses to the driver and passengers in the vehicle due to traffic accidents. Premiums are usually paid per seat. It is recommended for new drivers or family vehicles. 6. Spontaneous Combustion Insurance: Covers losses caused by fires due to the vehicle's own electrical or wiring issues. Suitable for older vehicles. 7. Glass Breakage Insurance: Covers the separate breakage of the windshield or window glass. Since replacing glass can be very expensive, it is recommended for vehicles frequently driven in unsafe areas. 8. Scratch Damage Insurance: Covers losses caused by intentional, malicious, or accidental scratches to the vehicle body.
Last time my neighbor's car was swept away by floodwaters during a heavy rainstorm. He had comprehensive insurance, and the insurance company quickly investigated and paid out a substantial amount, but he had to cover the deductible portion himself, which was around one or two thousand yuan. Generally speaking, if a vehicle is swept away in a natural disaster, as long as the insurance policy covers floods or comprehensive damage, there's hope for a claim. If not, you're out of luck. I think it's important to check the insurance terms before the rainy season and park away from riverbanks or low-lying areas—higher ground is safer. When filing a claim, take photos of the scene, report to the police and the insurance company as soon as possible, and don’t delay to avoid losing evidence. Always pay attention to the weather when driving, and in flood-prone areas, comprehensive insurance might be more expensive but worth it.
