Will insurance cover water damage to a car caused by heavy rain?
2 Answers
If the car is parked on the roadside or in a garage and gets flooded due to heavy rain, and the engine is not started after the flooding, the insurance company should provide compensation. Here is more information about insurance: 1. Cause: The primary party responsible for the damage is the other party. If the other party cannot be found after the collision, a police accident report is required, and your own insurance company will only cover 70% of the cost. 2. Other expenses: Under the death and disability compensation limit and the no-fault death and disability compensation limit, the insurance covers funeral expenses, death compensation, transportation costs for the victim's relatives to attend the funeral, disability compensation, disability aid equipment costs, nursing fees, rehabilitation fees, transportation fees, living expenses for dependents, accommodation fees, lost wages, and mental distress compensation as determined by court judgment or mediation.
Last summer during a heavy rainstorm, my car was flooded, and in a panic, I immediately filed an insurance claim. The insurance company came to inspect it and covered the repair costs because I had added water damage coverage when I bought the car. They explained that natural disasters like rainstorms are usually covered by the standard car damage insurance for body damage, but if the engine gets flooded and fails, only water damage coverage would apply. That experience taught me to always check the policy details in advance—don’t just go for the cheapest basic coverage when buying car insurance; ask about additional riders too. Post-incident handling is also crucial: after flooding, don’t recklessly start the engine—first, cut the power, take photos as evidence, then call a tow truck to take it to a repair shop. Contact the insurer promptly to avoid claim rejection due to delays. Now before the rainy season, I always park my car on higher ground just in case. Getting good insurance is a key step in protecting your car—don’t skimp on coverage to save money.
