Will Insurance Cover a Car Washed Away by Rain?
2 Answers
Insurance companies will compensate for a car washed away by rain, provided that the user has purchased vehicle damage insurance. Only vehicle damage insurance covers compensation for a car being washed away by water. According to the coverage scope of vehicle damage insurance, losses to the insured vehicle caused by lightning strikes, hailstorms, floods, heavy rain, tsunamis, and similar events are covered by the insurer. After a car is washed away by rain, the policyholder should immediately report the incident to the insurance company. If the car cannot be found, the policyholder must obtain a relevant certificate from the local public security authority and complete the vehicle deregistration procedures at the vehicle management office before the insurance company will process the compensation. According to the "Motor Vehicle Registration Regulations," in cases where a motor vehicle is lost due to a natural disaster, a certificate proving the loss must be issued by a government department at the township level or above in the area where the disaster occurred. Additionally, if a motor vehicle is lost due to a disaster, the owner must apply for deregistration at the vehicle management office where the vehicle was registered. The application requires filling out a form and submitting the vehicle registration certificate, vehicle license, the owner's identification, and the loss certificate.
Last time my neighbor's car was washed into the river by heavy rain, and his comprehensive insurance covered the loss. The key is whether the policy includes natural disaster coverage, especially flood insurance. Without it, claims may be denied, particularly if the car was parked in a low-lying area, which could be considered negligence. I recommend checking your insurance details before the rainy season and adding flood coverage. In case of an incident, take photos immediately, report to the police, and then notify the insurer—early action minimizes losses. This experience teaches us to avoid parking near rivers or low areas during extreme weather—safety first. I know several car enthusiasts who faced similar issues but suffered big losses due to inadequate coverage. With climate change, it's better to have broader insurance coverage now.
