Will Insurance Cover a Parked Car Flooded by Water?
2 Answers
Here is a detailed introduction regarding whether a car flooded by water can be compensated by the insurance company: Having Car Damage Insurance: Only if you have purchased commercial auto insurance that includes car damage insurance can you receive compensation. The coverage of car damage insurance includes rescue costs, cleaning expenses, and damage to electrical components or interior parts. However, damage to the engine caused by flooding or driving through water is generally excluded from coverage. Purchasing Water Wading Insurance: If the vehicle has water wading insurance, all damages to the vehicle, including engine damage, can be compensated. If the vehicle is flooded and the driver forcibly starts the engine, causing engine damage, even if car damage insurance and water wading insurance are purchased, the insurance company will not compensate for the engine damage but only for repair costs other than the engine.
Last month, my car got flooded on the roadside during a heavy rainstorm, with water levels reaching the windows. I thought it was a total loss at the time. Later, I found out that the insurance company would cover the damages, but it depends on whether you have the right coverage. If you have purchased auto damage insurance, which includes natural disasters, they usually pay; otherwise, you're out of luck. Fortunately, I had it that time, so I immediately reported the incident and took photos, waiting for the insurance adjuster to inspect. After verifying the damages, they arranged for towing and repairs. The lesson is: don’t park in low-lying areas, and before the rainy season, check your insurance policy details to ensure flood risks are covered. Otherwise, repair costs can easily run into tens of thousands, which is a real pain. Remember, auto damage insurance typically covers this—pay attention to weather forecasts and avoid cutting corners to save money, as it can prevent major headaches.
