Will Insurance Cover Cars Flooded in Heavy Rain?
2 Answers
For car owners who have purchased auto insurance under the new policy terms, the insurance company is responsible for compensating vehicle flood damage according to the contract. Below is more information about auto insurance: 1. Definition: Auto insurance is a type of commercial insurance that covers personal injury or property damage caused by natural disasters or accidents involving motor vehicles. 2. Compulsory Traffic Insurance (CTI): CTI is a mandatory national insurance that every car owner must purchase. Driving without CTI can result in vehicle impoundment (until CTI is obtained and displayed in the designated location), fines, and penalty points. CTI primarily covers personal injury and property damage to victims (excluding passengers in the insured vehicle and the policyholder) in traffic accidents.
I just experienced a vehicle flood incident last year during heavy rain when my car was parked at the garage entrance, and the water level rose to knee height. I thought it would be a total loss, but fortunately, I had added a natural disaster clause to my car insurance when purchasing it. After taking emergency photos and videos and filing a claim, the insurance company sent someone to assess the damage, and all repair costs were covered. Since then, I've made it a habit to regularly check my policy details, such as whether it includes flood damage, and I've also learned to park on higher ground during the rainy season and avoid driving through puddles. Remember, timely action is crucial, as delays can affect the claim process. I shared these experiences with my friends, and they've also started paying more attention to preventive measures.
