Will Insurance Cover Flood-Damaged Cars Due to Natural Disasters?

[MacCarlos]

If the car owner has previously purchased auto damage insurance, flood damage caused by natural disasters can be compensated within the coverage scope and liability limits of the auto damage insurance. If the owner did not purchase auto damage insurance, the insurance will not cover the damage. Legal Provisions: Insurance companies can compensate for losses caused by heavy rain to vehicles. However, losses resulting from the insured vehicle being started in water that submerges the exhaust pipe or from improper operation due to negligence after being submerged, leading to engine damage, are exempt from coverage. General Auto Insurance Coverage: Exclusions under auto damage insurance typically include: earthquakes; war, military conflicts, terrorist activities, riots, seizures, confiscations, impoundments, government requisitions; nuclear reactions, nuclear pollution, nuclear radiation; impacts or corrosion from cargo carried by the vehicle; spontaneous combustion and fires of unknown origin.