Will insurance cover water damage to a car caused by rain?

[DeClara]

If a car gets flooded during rainy weather, the insurance company will provide reasonable compensation based on the extent of water damage and the insurance coverage purchased by the car owner. If the owner only has collision insurance, they can receive compensation for rescue and cleaning costs (excluding the engine), electrical damage, and interior damage caused by water ingress. Here are some precautions for driving in rainy weather: Reduce speed and drive slowly: In severe weather conditions, strictly control your driving speed to allow yourself enough time to react. Rain reduces tire traction on the road, so try to maintain a low speed, using second or third gear, and keep your speed below 30 or 40 km/h. When driving at high speed on highways with thin layers of standing water, a film of water can prevent tires from directly contacting the road surface, causing the vehicle to hydroplane and potentially lose control. When parking, slow down about 100 meters in advance to give following vehicles enough time to react.