Will Insurance Cover Water Damage to Cars During Heavy Rain?
2 Answers
If the car owner has purchased auto damage insurance or water ingress insurance, the insurance company is required to compensate according to the policy terms. However, with only auto damage insurance and water ingress insurance, the insurance company does not provide full compensation; there is an absolute deductible rate of 15%-20%. Full compensation requires the car owner to additionally purchase a waiver of deductible clause. The main classifications of auto insurance are as follows: 1. Introduction One: Motor vehicle insurance can be divided into compulsory traffic insurance and commercial insurance, with commercial insurance further categorized into basic insurance and additional insurance. 2. Introduction Two: Basic insurance includes vehicle damage insurance, third-party liability insurance, comprehensive theft insurance, and passenger liability insurance. Additional insurance covers standalone glass breakage insurance, scratch insurance, etc. 3. Introduction Three: Passenger liability insurance, no-fault liability insurance, and cargo falling liability insurance are additional insurances under third-party liability insurance. These can only be purchased after securing third-party liability insurance, and each insurance type's waiver of deductible can be purchased independently. 4. Introduction Four: Compulsory traffic insurance is a mandatory liability insurance where the insurance company compensates for personal injury, death, or property damage (excluding the vehicle's occupants and the insured) caused by the insured vehicle in a road traffic accident, within the liability limits.
From personal experience, I can tell you whether your car can be insured for water damage during heavy rain depends on if you have purchased comprehensive car insurance. Last summer, my car was flooded during a heavy rainstorm. I immediately reported it to the insurance company, and they asked about my policy details. Only if you have comprehensive coverage will the insurance cover repair costs for natural disasters like heavy rain. Without this coverage, you'll have to pay out of pocket. When handling the situation, never start the engine to avoid water damage to the engine and further losses. Remember to take photos for evidence and have the car towed to a professional repair shop for drying and inspection. A friend of mine only received partial compensation because they didn't report it to the insurance company in time, so act quickly. Regularly checking your car's seals and drainage holes after heavy rain can reduce risks.
