Will Insurance Cover Vehicles Submerged in Floods?

[LaKing]

Insurance covers vehicles submerged in floods. According to insurance clauses, auto insurance provides compensation for vehicle damage or personal injuries caused by ground fissures, mudslides, ground collapse, typhoons, avalanches, etc. However, as earthquakes fall under the category of catastrophic disasters, auto insurance policies uniformly exclude earthquake-related damages. Below are scenarios where insurance claims may be denied: Owner Restarts the Vehicle: If the engine stalls due to driving through water and the owner attempts to restart it to move the vehicle out of the flooded area, resulting in water ingress and engine damage, the insurance company will deny the claim. Therefore, even if the owner has purchased comprehensive auto insurance, they should avoid restarting the engine after stalling in water. Owner Drives Despite Knowing Water Depth: If the owner knowingly drives through a severely flooded area despite being aware of the deep water, leading to engine damage from water ingress, the insurance company will also refuse to compensate.