Will insurance cover water damage to cars caused by typhoons?
2 Answers
Typhoon-induced water damage to vehicles is covered if the owner has purchased vehicle water ingress insurance. Here are the relevant details: Introduction to Water Ingress Insurance: Also known as auto loss insurance or engine special loss insurance, different insurance companies may use varying terms but the essence remains the same. This is a newly derived type of insurance, specifically an add-on coverage that car owners purchase for their engines. Coverage Scope: It primarily provides compensation for engine damage caused by driving through waterlogged roads or submersion. However, if the engine is forcibly started after submersion, resulting in damage, the insurance company will not provide compensation.
I've looked into insurance matters before. Whether your car gets compensation for flood damage caused by a typhoon mainly depends on the type of insurance you purchased. A standard auto damage insurance might cover body damage but typically excludes engine water ingress. You'd need specific waterlogging insurance or engine loss coverage for that part. Typhoons are natural disasters, and insurance companies generally recognize claims for them. However, it's crucial to note: never start the engine after water immersion, as this could lead to immediate claim denial. A friend of mine had his car half-submerged; he promptly towed it to a repair shop, took photos, and filed a claim. Fortunately, with waterlogging insurance, the insurer covered several thousand dollars for electrical repairs and drying. It's advisable for car owners to verify their insurance details in advance, especially in typhoon-prone areas, to ensure adequate coverage for peace of mind. In short, don't rush to drive—insurance can be a real lifesaver.
