Will Insurance Cover a Car Washed Away by Heavy Rain?

[NadiaRose]

If you have purchased commercial auto insurance, an incident where heavy rain washes away your car is considered an accidental event, and partial insurance compensation can be claimed for the vehicle repair costs caused by the heavy rain. Here are the correct steps to follow: Report the claim promptly: Auto insurance policies typically require reporting the claim to the insurance company within 48 hours of the incident; otherwise, the insurer may refuse compensation. If someone else is entrusted to report the claim on your behalf, the reporting person should also bring their ID card and a letter of authorization issued by the policyholder. Damage assessment and repair: All vehicle losses caused by the insurance incident must be assessed by the insurance company before repairs (the assessment can be done at a repair shop or 4S shop designated by the insurer, or at a shop with qualified assessors, but it must be ensured that all three parties are present) to determine the loss items and amount.