Will Insurance Cover Flooded Cars During Heavy Rain?

[SanNora]

In the event of heavy rain causing vehicle submersion, insurance companies will provide certain compensation and cover economic losses provided that the vehicle is insured. Below is relevant information: 1. Components: Auto insurance typically consists of two parts: basic insurance and additional coverage. Basic insurance is further divided into vehicle damage insurance and third-party liability insurance. 2. Coverage Details: Vehicle damage insurance compensates for losses to the insured vehicle itself; third-party liability insurance covers damages to targets outside the insured vehicle, such as pedestrians, public property, or other vehicles; passenger liability insurance compensates for personal and property losses to passengers in the insured vehicle; theft insurance covers losses if the vehicle is stolen; and no-deductible coverage ensures 100% compensation in case of an accident. Without no-deductible coverage, the policyholder bears 30% of the deductible for each accident.