Will Insurance Cover a Flooded Parked Car?
2 Answers
Water damage causing vehicle submersion is generally covered. Here's an introduction to insurance compensation for flooded vehicles: 1. Auto Damage Insurance: The comprehensive auto insurance reform implemented since 00:00 on September 19, 2020 expanded coverage to include theft, separate glass breakage, spontaneous combustion, and deductible waiver. If the vehicle is deemed a total loss, the insurer will compensate the full insured amount of the auto damage insurance. 2. Water Wading Insurance: This is an add-on coverage that cannot be purchased separately and must be attached to auto damage insurance. Policyholders with existing auto damage insurance can add water wading coverage. This insurance carries a 20% deductible, but purchasing the deductible waiver rider enables 100% compensation.
Recently, my car was also flooded, and I was quite panicked at the time, fearing that the insurance wouldn't cover it. After checking, I learned that if the car is flooded while parked, the insurance will generally cover it, depending on the type of coverage you have. If you only have compulsory traffic insurance, that won't suffice—it only covers damage to others, not your own vehicle. Commercial insurance with vehicle damage coverage is what handles flood-related issues, especially if you have additional flood insurance, which can cover flood damage even when the car is parked. Here's a tip: after flooding, don't rush to start the car. First, turn off the engine, take photos and videos of the flooding as evidence, and immediately contact your insurance company to file a claim. They'll send someone to assess the damage, and the process is usually quite fast. In short, when buying car insurance, make sure to read the terms carefully—getting comprehensive coverage is safer, or you might end up losing big. Also, always try to park on higher ground to avoid low-lying areas—it saves a lot of hassle.
