Will Insurance Cover a Car Washed Away by Heavy Rain?

[Wendy]

Whether an insurance company will compensate for a car washed away by flood during heavy rain depends on whether the car owner has purchased vehicle damage insurance. If vehicle damage insurance is not purchased, the insurance company will not compensate. If vehicle damage insurance is purchased, then the insurance company can compensate within the liability limit. Moreover, reasonable and necessary expenses incurred by the car owner to prevent further damage to the vehicle due to heavy rain or floods are also compensable by the insurance company. Relevant regulations: After the 2020 auto insurance reform, water-related damage coverage was included in vehicle damage insurance. Current vehicle damage insurance mainly covers direct losses to the insured vehicle caused by natural disasters or accidents, excluding those within the exemption liability scope.