Will Insurance Cover Engine Restart After Flooding?
2 Answers
In general, insurance companies will refuse claims for engine restart attempts after flooding. Here is relevant information: Reason: It is considered a clear mistake to knowingly start the engine after the vehicle has been submerged. It is recommended to carefully read the terms of the purchased water-related insurance to understand specific provisions. Vehicle owners should immediately report the incident to the insurance company, explain the situation, and if necessary, the insurance company's loss assessor will visit the scene for inspection and provide advice. Note: Once the vehicle stalls in water, the owner should quickly seek help to push the vehicle to a water-free roadside, rather than waiting for rescue inside the car. As water levels may rise rapidly, this could lead to complete engine compartment flooding, causing severe damage to automotive electronic components.
Hello everyone, I've been driving for decades, so let's talk about whether insurance covers engine restart failures. Generally speaking, insurance companies won't cover this. Why? Because restart issues are often caused by ignition system failures, like worn spark plugs or damaged coils, which fall under mechanical wear and tear. Insurance only covers accidental damage or natural disasters - for example, if your car won't start after a collision, that might be covered. But for regular mechanical failures, you'll have to pay for repairs yourself. I once saw a friend's car with ignition problems get their claim rejected immediately - the insurer said proper maintenance was required. So it's best to check your policy details, especially if you have comprehensive coverage. Remember to maintain your car regularly, replace spark plugs, and avoid sudden breakdowns. Safety first!
