Will Insurance Cover the Car if It's Flooded in Heavy Rain?
2 Answers
Whether insurance covers a car flooded in heavy rain depends on the following scenarios: Stalling and getting flooded during driving: If you have vehicle damage insurance, but the car stalls and gets flooded while driving through water, coverage depends on the extent of the vehicle damage. Parked state: If you have vehicle damage insurance and the car is flooded while parked (e.g., in a garage or parking lot), coverage depends on the degree of damage to the car. No water ingress insurance: If you have water ingress insurance, the insurance company will cover the damage. Without water ingress insurance, only parts other than the engine may be covered. Restarting after stalling: If the car stalls in water and is restarted, resulting in damage, the insurance company will not cover the loss due to the restart. After the car is flooded, you can file a claim through vehicle damage insurance. After the incident, the owner should not attempt to move or start the vehicle but should report the incident to the insurance company immediately.
I remember a few years ago when my car was submerged in water overnight after a heavy rainstorm. Fortunately, I had purchased auto damage insurance that included coverage for water-related damage. The insurance company responded quickly, sending someone to assess the damage and take photos, and they reimbursed me for the towing and repair costs. Without auto damage insurance, I would have had to pay several thousand dollars out of pocket just for an engine replacement, which would have been a huge financial loss. It’s always wise to park in elevated garages or on slopes, especially during rainy seasons. If the water level is too high, avoid starting the car and seek rescue services immediately for safety. Regularly reviewing the details of your insurance policy is also crucial—many free apps allow you to check your coverage anytime.