Will Insurance Cover Flood-Damaged Vehicles?

[VonElliana]

As long as you have purchased water-related insurance, the insurance company will provide compensation. Below is relevant information about water-damaged and flood-soaked vehicles: Different concepts: A water-damaged vehicle refers to a car that has been submerged in water, typically involving the engine and transmission being soaked, with water depth exceeding the wheels and body seats, and prolonged contact between the vehicle's bottom components and water. Such vehicles pose significant risks, as the electrical circuits are prone to short circuits and fires. A 'flood-soaked vehicle' refers to cars that, due to heavy rain, were parked in underground garages or low-lying areas and could not be moved in time by the owners, resulting in prolonged soaking by accumulated water. Different levels of water ingress: A water-damaged vehicle refers to a car directly submerged in water, with water depth exceeding one-third of the wheel height. In reality, both wading and submersion affect the vehicle, with the extent of damage depending on the water depth. A flood-soaked vehicle has undergone prolonged soaking, with water ingress exceeding that of a water-damaged vehicle.