Will insurance cover the damage if the car is flooded?
2 Answers
For vehicles with water wading coverage, the losses caused by flooding can be compensated by the insurance company. Introduction to Water Wading Coverage: It is an additional property insurance that applies to engine damage caused by driving through waterlogged roads or being submerged in water, according to the terms of the water wading coverage. However, water wading coverage does not cover all cases of engine damage due to water exposure. Exclusion Clauses: Some insurance companies may set exclusion clauses in the coverage of water wading insurance. If the car owner forcibly starts the engine after being flooded, known as "secondary ignition," resulting in damage due to improper operation, such losses are not covered by the insurance company.
Last year, my car got flooded during a heavy rain, what a headache! Whether insurance covers it or not depends on the type of coverage you have. If you only have basic compulsory traffic insurance, it doesn't cover natural disasters like flooding. But if you've added comprehensive car damage insurance or a special waterlogging add-on, the insurance company will cover repair costs, such as engine cleaning or part replacements. I remember I had the waterlogging coverage back then, and it reimbursed most of the expenses—the process was quite smooth. Don't forget, after a flood, don't rush to start the car; secondary engine damage might not be covered. Always check your policy details and consider adding natural disaster coverage for peace of mind. As a precaution, avoid driving into deep water during heavy floods.
