Will Insurance Cover Cars Affected by Flood Disasters?

[Ellis]

Whether insurance will cover a vehicle affected by a flood disaster depends on the specific circumstances. There are three scenarios for water-damaged vehicles: 1. The vehicle is stationary and gets submerged: If the owner has purchased vehicle damage insurance, they can generally receive compensation. The insurance company will calculate the payout based on whether the vehicle is repaired or totaled. 2. The vehicle is submerged while driving, and no secondary ignition is attempted: The owner needs to have both vehicle damage insurance and water ingress insurance. Vehicle damage insurance covers costs other than the engine, while water ingress insurance covers engine-related expenses. 3. The vehicle stalls due to submersion while driving, and the owner attempts a secondary ignition. Any ignition attempt in this situation is considered improper operation, and the insurance company will not provide coverage. Therefore, only if the vehicle has both vehicle damage insurance and water ingress insurance, and the vehicle is submerged without improper operation, can the owner potentially receive compensation. Any improper operation will result in the insurance company denying the claim.