Will Insurance Fully Cover a Flooded Car?
1 Answers
Insurance can fully cover a flooded car. Additional details are as follows: 1. If the vehicle is parked and gets flooded: With comprehensive insurance (also known as "car damage insurance"), full compensation is provided. Damage caused by flooding while the vehicle is stationary is covered under the basic vehicle damage insurance, falling within the insurer's liability scope. This includes scenarios like water damage in a parking garage—such losses are covered by comprehensive insurance, and the insurer will fully compensate, including engine damage. As for being stuck in traffic during heavy rain and getting flooded, as long as the engine isn't forcibly started, it usually won't be damaged. Any resulting damage is covered by comprehensive insurance. 2. If the vehicle is flooded while driving: With comprehensive insurance + water damage coverage, full compensation is provided. With only comprehensive insurance (no water damage coverage), the engine is not covered. If the driver misjudges water depth and proceeds, causing damage, insurers will fully compensate if both comprehensive and water damage coverage are purchased. With only comprehensive insurance, compensation excludes engine damage. 3. If the vehicle is flooded while driving: Restarting the engine after stalling is not covered. Notably, most insurers exclude secondary ignition after stalling due to flooding as a clause under water damage coverage. This means if the car is flooded and the driver attempts to restart the engine, resulting in engine damage, even with water damage coverage, the insurer will not compensate.
