Will Insurance Cover a Flooded Parked Car?
2 Answers
In the event of vehicle submersion, the vehicle damage insurance can cover parts of the vehicle damaged except for the engine. Damage to the engine caused by flooding may only be covered by the waterlogging insurance. Below is extended information about vehicle insurance: Vehicle Insurance: Also known as motor vehicle insurance or auto insurance, it refers to a commercial insurance that compensates for personal injuries or property damage caused by natural disasters or accidents involving motor vehicles. Auto Insurance: A type of property insurance, auto insurance is relatively new in the field of property insurance, as it emerged and developed alongside the advent and popularization of automobiles. Unlike modern motor vehicle insurance, early auto insurance primarily focused on third-party liability coverage and gradually expanded to include risks such as collision damage to the vehicle body.
Whether you can get compensation for a waterlogged parked car depends on the type of insurance you've purchased. For example, comprehensive auto insurance typically covers flood damage caused by natural disasters. If your parked car is submerged due to heavy rain or flooding, the insurance company will usually compensate you. However, if you only have compulsory traffic insurance, such incidents are not covered, resulting in uncompensated losses. I recommend you immediately check your insurance policy for clauses related to water damage or similar coverage. Don't move the car right away—first, take photos to document the waterline, time, and location, then call your insurance company to report the incident. For prevention, try to park in elevated areas away from low-lying zones during heavy rains. Checking weather forecasts before the rainy season and adjusting your parking spot accordingly can significantly reduce risks.
