Will the Car Be Compensated in Case of Flood?

1 Answers
SanMackenzie
07/29/25 3:49pm
If you have purchased vehicle damage insurance, the insurance company will compensate. According to the relevant provisions of the insurance policy, vehicle losses caused by general 'natural disasters' such as heavy rain, floods, landslides, and mudslides fall under the insurance liability of commercial auto insurance's vehicle damage insurance, and the insurance company will settle the claim. Therefore, direct losses to the vehicle caused by flooding will be compensated by the insurance company as stipulated in the insurance contract. However, if you knowingly drive through severe water accumulation, resulting in engine damage, or if the engine stalls during water wading and is damaged due to forcing a second start, the insurance company will not compensate.
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