Will Insurance Cover a Vehicle Washed Away by Flood?
2 Answers
If a car is submerged by flood, the insurance company is required to compensate as long as the vehicle damage insurance is purchased. Below is relevant information: Components: Auto insurance generally includes basic insurance and additional insurance. Basic insurance is divided into vehicle damage insurance and third-party liability insurance. Coverage Details: Vehicle damage insurance compensates for the loss of the insured vehicle; third-party liability insurance compensates for damages to targets outside the insured vehicle, such as people hit, public property, and other vehicles; passenger liability insurance compensates for personal and property losses within the insured vehicle; theft insurance covers compensation when the insured vehicle is stolen; no-deductible insurance ensures 100% compensation in case of an accident.
Last month when the typhoon hit, my car was completely washed away by the flood, which really worried me. Fortunately, I had comprehensive insurance. The insurance company checked and confirmed that comprehensive insurance covers natural disasters like flood damage, so they compensated me with a brand-new car. The claims process was actually quite simple: first, call the insurance company to report the incident, then get a police report stating it was caused by the disaster, and finally use your phone to take photos or videos as evidence. However, it's important to note that not all insurance policies cover this—you need to have vehicle damage insurance. If you only have compulsory traffic insurance or third-party liability insurance, your own car's losses won't be covered. I recommend everyone check the weather forecast in the future to avoid flood-prone areas and refrain from driving into low-lying areas to save yourself the trouble.
