Will insurance cover a flooded car?
1 Answers
According to the relevant provisions of motor vehicle insurance clauses, vehicle losses caused by natural disasters such as heavy rain and floods fall under the coverage of the commercial auto insurance's vehicle damage insurance. Therefore, expenses incurred from a flooded vehicle, including rescue fees, cleaning costs, electrical damage, and interior component damage, are all covered by the vehicle damage insurance, and the insurance company should provide compensation. The following are related introductions about flooded cars: 1. The harm of flooded cars is significant: If a motor vehicle is submerged in water, it can easily lead to rusting of body parts, shortening the vehicle's lifespan and reducing safety performance. For example, a flooded car can cause corrosion and rusting of the vehicle's wiring, leading to sudden stalling or spontaneous combustion due to short circuits while driving, with unimaginable consequences. Additionally, the repair costs for flooded vehicles are very high, with severe flooding repairs often exceeding 50% of the vehicle's value, and insurance claims can be very problematic. 2. Safety hazards of flooded cars: Many reputable used car dealerships in the southern regions refuse to accept flooded cars, but the main market for these vehicles remains the used car market. These used flooded cars are likely to be sold in large quantities to used car markets outside the Pearl River Delta. Therefore, used car consumers must master some techniques to identify flooded cars to avoid purchasing 'time bombs' on the road.
