Will Insurance Cover a Vehicle Flooded by Heavy Rain?

[Judith]

Insurance companies will provide compensation for vehicles flooded by heavy rain based on the specific circumstances. Here is relevant information: 1. Ways vehicles can be damaged during heavy rain: If the vehicle has comprehensive coverage (collision damage waiver) and is flooded while parked, the insurance will fully cover the repair costs. If the vehicle has comprehensive coverage but stalls and gets flooded while driving through water, the insurance will cover the damages if it includes water ingress coverage. Without water ingress coverage, only parts other than the engine will be compensated. If the vehicle stalls due to water ingress and is restarted, no insurance will cover this part. 2. What to do if your vehicle is flooded: If flooding hasn't occurred yet, it is recommended to park the vehicle in a higher area. If the residential garage has experienced backflow before, move the vehicle to the ground as soon as possible. Avoid driving unless absolutely necessary. For vehicles already flooded, prioritize personal safety. After the engine stalls, do not attempt to restart it. Call the insurance company or a 4S shop for rescue and wait patiently for assistance.