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Will Insurance Cover a Flooded New Car?

1 Answers

McElliana

07/30/25 1:28am

Here is an introduction regarding insurance compensation for flooded new cars: 1. Vehicles submerged while parked: With comprehensive insurance, full compensation applies. Damage caused by flooding while the vehicle is stationary falls within the insurance company's coverage scope as long as comprehensive insurance is purchased. This includes vehicles flooded in garages - such losses are covered by comprehensive insurance, and the insurer must provide full compensation. If a vehicle is submerged while stationary, remember not to move it; instead, promptly report the incident, take photos, and initiate the claims process. 2. Vehicles submerged while driving: For auto insurance purchased after September 19, 2020, having comprehensive insurance qualifies for full compensation. Additional coverages like theft insurance, glass insurance, and engine water ingress insurance have been incorporated into comprehensive insurance, eliminating the need for separate purchases to claim. For auto insurance purchased before September 19, 2020, having both comprehensive insurance and water ingress insurance qualifies for full compensation. If damage occurs due to driving through water of uncertain depth, the insurer will provide full compensation if both comprehensive and water ingress insurance are purchased; with only comprehensive insurance, compensation will exclude engine-related damages.

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