Will Insurance Cover a Parked Car Flooded by Water?
2 Answers
Insurance will provide compensation for vehicles damaged by flooding. Here is an introduction to insurance coverage for water-damaged cars: 1. Vehicle Damage Insurance: The comprehensive reform of auto insurance, effective from 00:00 on September 19, 2020, expanded coverage to include theft, standalone glass breakage, spontaneous combustion, and deductible waiver. If the vehicle is deemed a total loss, the insurance company will pay the full insured amount under the Vehicle Damage Insurance. 2. Water Wading Insurance: "Water Wading Insurance" is an additional coverage that cannot be purchased separately and must be added to the Vehicle Damage Insurance. For those who have already purchased Vehicle Damage Insurance, they can add "Water Wading Insurance" through their insurer. This coverage comes with a 20% deductible, but if the deductible waiver is purchased, 100% compensation can be obtained.
Last time I parked my car downstairs, it got flooded during a heavy rain. I immediately contacted my insurance company, and since I had comprehensive coverage, they sent someone to inspect the damage. It was confirmed to be caused by a natural disaster, so they covered the full repair cost. Remember, whether your flooded car is covered depends on your insurance policy. If you don’t have comprehensive or collision coverage, you might have to pay out of pocket. Water ingress insurance mainly applies to driving through water, not parked cars. The experience taught me to always park on higher ground and avoid low-lying areas during storms. If an accident happens, call your insurer immediately, don’t move the car, and take photos as evidence to speed up the claims process. Regularly review your policy terms to avoid surprises when you need to file a claim.
