Will the insurance company compensate for a car encountering a flood?

[McJayla]

As long as the car owner has purchased vehicle damage insurance, they can call the insurance company after the car is flooded. According to the vehicle damage insurance policy, the insurance company is responsible for compensating for total or partial losses of the vehicle caused by lightning strikes, heavy rain, floods, waterlogging, tsunamis, etc. However, if the engine is damaged due to water ingress, only car owners who have purchased water ingress insurance can receive compensation. Below is the relevant introduction: 1. Relevant regulations: If the car is flooded, the owner can receive compensation if they have purchased vehicle damage insurance. If the engine is damaged due to water ingress, the owner can receive compensation if they have purchased water ingress insurance. 2. Precautions: If the car stalls in water and the owner forcibly restarts the engine, causing engine damage, the insurance company will not compensate for such losses. Additionally, in the event of a breakdown due to water ingress, the owner should immediately report to the insurance company, actively organize rescue efforts, quickly disconnect the circuit, tow the vehicle out of the water, and send it to a repair shop for maintenance.