Will Insurance Cover Water Damage to Cars Caused by Heavy Rain?

2 Answers
LaneMarie
07/28/25 9:08pm
Insurance will cover water damage to cars caused by heavy rain. Below are the specific details: 1. Rescue costs, cleaning expenses, electrical losses, and interior damage resulting from a submerged vehicle fall under the coverage of auto damage insurance, and the insurance company should provide compensation. 2. Damage limited to wheels alone, broken glass alone, body scratches without obvious collision marks, losses of newly installed equipment, and engine damage caused by water ingress are not covered by auto damage insurance. Below is additional information: 1. Motor Vehicle Loss Insurance, also known as auto damage insurance. 2. During the insurance period, the insurer is responsible for compensating for losses to the insured vehicle caused by collisions, overturning, fire, explosion, falling objects, collapse, lightning, storms, tornadoes, heavy rain, floods, ground collapse, ice collapse, cliff collapse, avalanches, hailstorms, mudslides, landslides, and other reasons, as stipulated in the insurance contract.
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ElainaLynn
08/12/25 1:49am
I just went through this. That year after the heavy rain, my car was submerged in water overnight. Fortunately, I had comprehensive insurance. The insurance company sent someone to inspect the scene and take photos, and they did cover the repair costs, but they reminded me that it only applies to damages caused by natural disasters. Without additional water damage coverage or basic insurance, I might have had to pay out of pocket. Key steps to handle it: Don’t move the car to avoid secondary damage, immediately take photos as evidence of the submersion, and report it to the traffic police and insurance company. Later, during repairs, it turned out the electrical circuits were fried, costing over ten thousand—without insurance, it would’ve been a huge loss. I recommend everyone check their insurance policies before the rainy season, opt for more comprehensive coverage, and park in higher areas to avoid flood zones. This trick really works.
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