Will insurance cover the car if it's flooded?

[LeAllison]

If you have purchased auto damage insurance, the insurance company will cover the damages. Below are the relevant details: 1. Insurance clause provisions: According to the relevant provisions of the insurance clauses, vehicle losses caused by general "natural disasters" such as rainstorms, floods, landslides, and mudslides fall under the coverage of auto damage insurance in commercial auto insurance, and the insurance company will settle the claim. Therefore, the insurance company will be responsible for compensating the direct losses of the vehicle caused by flooding in accordance with the terms of the insurance contract. 2. Non-reimbursable situations: It is particularly important to note that if the car owner has not purchased both auto damage insurance and water-related insurance, all economic losses will be borne by themselves, and no compensation will be available.

[SilasDella]

Last month, my own car was also caught in a flood situation. It was raining heavily at the time, and the car parked by the roadside got completely submerged. The key issue is whether insurance covers it or not entirely depends on the type of coverage you chose when buying the car. Compulsory traffic insurance (CTPL) only covers third-party liability and does not compensate for vehicle damage, so you have to rely on the commercial insurance's vehicle damage coverage to handle it. After the 2020 auto insurance reform, vehicle damage insurance basically covers water-related risks, but if you restart the engine after water ingress causing damage, the claim might be denied. In my case, I contacted the insurance company promptly without moving the vehicle, they sent someone to take photos, and the claim went smoothly, covering the repair costs. Remember, never start the engine to avoid greater losses, and always clarify the policy details when buying insurance—don’t skip full coverage just to save a few hundred bucks.

[Brown]

Whether your car can be claimed for flood damage depends on your insurance coverage. I often deal with such cases and here's my summary. Compulsory traffic insurance is the basic legal coverage but excludes damage to the vehicle itself - that requires commercial auto insurance with vehicle damage coverage. After recent reforms, vehicle damage insurance now generally covers flood-related losses, but only for stationary damage, excluding issues from driving through water or starting the engine afterward. Engine flood coverage is an add-on that needs to be purchased separately - otherwise engine damage from water usually won't be covered. File the claim promptly without delay - the insurer will arrange inspection. To avoid disputes over policy terms, it's best to preserve evidence like photos of water levels to facilitate processing.

[DeIker]

Will car insurance cover flood damage? Simply put, it depends on the coverage. Compulsory traffic insurance won't help - you must have comprehensive insurance. Most auto policies now include flood risk coverage, but damage caused by starting the engine will be denied. It's recommended to record video evidence with your phone for easier claims via the app. When choosing coverage, always confirm it includes water-related damage - don't cut corners to save money on this part.