Will Insurance Cover Flood-Damaged Vehicles?

[LeAnna]

According to the relevant provisions of China's motor vehicle insurance clauses, vehicle losses caused by natural disasters such as rainstorms and floods fall under the insurance liability of the commercial auto insurance's vehicle damage coverage. Therefore, expenses incurred after a vehicle is submerged, including rescue costs, cleaning fees, electrical system damages, and interior component losses, are all covered by the vehicle damage insurance, and the insurance company should provide compensation. Additional Information: Secondary Ignition: If a vehicle stalls while driving through water and the driver attempts a secondary ignition, resulting in engine damage, this is not covered by the insurance. Therefore, it is crucial to avoid secondary ignition during water wading. Compensation for Other Vehicle Damages: Even if the engine is damaged, the vehicle damage insurance will cover other losses to the vehicle, excluding the engine.