Will Insurance Cover Cars Flooded in Henan Rainstorm?

1 Answers
DeAlexis
07/30/25 6:49am
For vehicles damaged in the Henan rainstorm flood, insurance companies will definitely cover the losses as long as the policyholder has purchased auto damage insurance. This is because water-related damage coverage has now been incorporated into auto damage insurance. Therefore, any claim can be made with auto damage insurance. However, there is one exception: if the vehicle stalls in water and the driver attempts to restart the engine (secondary ignition), causing engine water damage, this is considered human-induced damage and won't be covered by insurance. Below is additional information: 1. Auto Damage Insurance: This refers to a commercial auto insurance where the insurer compensates within reasonable limits when the insured vehicle is damaged due to accidents occurring while the vehicle is being used by the policyholder or an authorized driver. 2. Water-related Damage Insurance: Also known as vehicle loss insurance or engine special loss insurance (terminology varies among insurers but the essence remains the same), this is a newly developed additional coverage that owners can purchase specifically for engine protection.
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