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

1 Answers
Nunes
07/30/25 10:26am
To understand the two key factors for water-damaged car compensation, namely the vehicle damage insurance (engine water damage insurance and no-deductible coverage) and rainstorm liability. After meeting the above conditions, the insurance company will assess the damage based on factors such as the vehicle's water immersion level, duration of submersion, and specific model, combined with the damage to car parts. If the car is only insured with vehicle damage insurance and does not have engine water damage insurance, the insurance company will only compensate for losses and rescue fees caused by the rainstorm, excluding engine damage. In cases where both vehicle damage insurance and engine water damage insurance are purchased, the insurance company can compensate for engine damage, other parts damaged by water immersion, and rescue fees. Preliminary assessment of a vehicle's water damage can be done through three aspects. Open the engine compartment to check for rust and mold spots around the engine and cylinder block; inspect the engine fuse box for any sediment; pull the seatbelt all the way out to check for moldy smell or stains. The best approach is to have a professional third-party vehicle inspection agency conduct an on-site inspection.
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