Will Insurance Cover Cars Flooded in Residential Underground Parking?
2 Answers
After purchasing vehicle damage insurance, if a car is flooded in an underground parking garage, the insurance company can provide compensation. However, do not attempt to start the engine at this time, as it can easily damage the engine. If the engine is damaged under such circumstances, the insurance company has the right not to compensate for the engine damage for owners who did not purchase water ingress insurance, and will only cover the body damage. For those who purchased vehicle damage insurance with additional water ingress coverage, full compensation will be provided. Requirements for vehicle insurance compensation: Natural wear and tear of vehicle parts due to usage, corrosion damage caused by contact with harmful gases or liquids, issues with a vehicle's component or system affecting normal operation, excessive tire wear, quality defects or over-inflation leading to sudden tire bursts, and losses due to natural aging or rust of insured vehicle parts are considered normal losses not caused by an insurance incident, and the insurer is not liable for compensation.
That time my car also got flooded in the underground garage. I only found out after talking to my neighbors that whether insurance covers it mainly depends on what type of coverage you have. When I bought the car, I got comprehensive insurance which included natural disasters, so the insurance company later compensated me; if it was just compulsory traffic insurance, that wouldn't have worked. You need to take photos quickly as evidence and contact the insurance company to file a claim—they'll send someone to investigate. It also depends on the property management—if the garage drainage was damaged due to their negligence, the property management might have to share some of the loss. I later installed a waterproof mat for my parking space to prevent this from happening again—it's much safer now. In short, don't panic, solve it step by step, and you can recover some of the losses.
