Will Insurance Cover My Car If It's Flooded in Heavy Rain?

[LaEliza]

If you have purchased auto damage insurance, the insurance company will cover the damages. Below are the relevant details: 1. Insurance Clause Stipulations: According to the relevant provisions of the insurance clause, vehicle damages caused by general "natural disasters" such as heavy rain, floods, landslides, and mudslides fall under the coverage of auto damage insurance in commercial auto insurance, and the insurance company will provide compensation. Therefore, direct losses to the vehicle caused by flooding will be covered by the insurance company as stipulated in the insurance contract. 2. Non-Coverage Situations: It is particularly important to note that if the car owner has not purchased both auto damage insurance and water ingress insurance, all economic losses will have to be borne by the owner themselves, with no possibility of any compensation.