Will insurance cover the car if it is flooded after a heavy rain?
2 Answers
After a heavy rain, if the vehicle is flooded, you can file an insurance claim for compensation. Relevant details are as follows: 1. Coverage: Even if the entire car is submerged due to heavy rain, resulting in a total loss, the insurance company can compensate for the total loss. However, if the car owner forcibly starts the vehicle after it is flooded, causing damage, the insurance company will not compensate. Similarly, if the car owner drives through waterlogged roads despite foreseeing potential damage, resulting in vehicle loss, the insurance company will not cover it. 2. Waterlogging insurance: Waterlogging insurance is a newly derived type of auto insurance, mainly referring to an additional coverage purchased by the car owner for the engine. It primarily compensates for engine damage caused by driving through waterlogged roads or being submerged in water. However, if the car owner forcibly starts the engine after the car is flooded, causing damage, the insurance company will not compensate.
Last summer, my car was also flooded by heavy rain, and I was particularly worried that the insurance wouldn't cover it. Later, I learned that it mainly depends on whether you have purchased vehicle damage insurance, which generally covers losses caused by natural disasters. However, remember one thing: never restart the engine in water, or the insurance company may deny your claim due to improper operation. At that time, I waited for the tow truck to handle it and didn't move the car at all. The insurance claim process was actually quite smooth. As long as you provide on-site photos and water level proof, the loss assessor will come to inspect, and in the end, they covered the costs of engine cleaning and wiring replacement. It is recommended to call the insurance company to report the case as soon as possible after flooding, ideally within 48 hours, and they will assign someone to guide you on what to do.
