Will Insurance Cover Cars Flooded in Heavy Rain?
1 Answers
Insurance will cover the damages, but only if the commercial auto insurance includes vehicle damage coverage. If the policyholder has purchased vehicle damage insurance, they can receive compensation for damages to parts of the car other than the engine after the vehicle is flooded by heavy rain. If the policyholder has both vehicle damage insurance and water ingress insurance, the insurance company will cover all damages caused by the vehicle being submerged in water due to heavy rain, including engine damage. Below are some precautions for driving in rainy weather: Reduce speed and drive cautiously: Regardless of the road width or surface conditions, always drive slowly in the rain, keep an eye on the distance between vehicles ahead and behind, and be mentally prepared to take emergency measures. Visibility is low in rainy conditions, and the vehicle's braking distance and other emergency performance metrics are reduced, so it's essential to slow down in advance, allowing enough time and space to handle any situation safely. Maintain a safe distance: Rainy weather obstructs visibility, so it's crucial to keep a safe distance from other vehicles, constantly monitor the distance to vehicles ahead and behind, and increase the following distance. Especially stay away from large vehicles: first, they can block your view; second, puddles that large vehicles can pass through may not be passable for smaller cars, and large vehicles tend to splash water, which can interfere with smaller cars' driving.
