Will the insurance company compensate for a flooded car?
2 Answers
Whether the insurance company compensates for a flooded car depends on the specific circumstances. Here are the details: 1. Compensation is possible: When a vehicle is parked on the roadside or in an underground garage and gets flooded, as long as the vehicle is not started in the water, the damage can be claimed under the vehicle damage insurance. Expenses such as vehicle cleaning and wiring harness inspection can also be covered by the vehicle damage insurance. 2. No compensation for secondary engine start: Once you find that the vehicle is flooded or submerged in water, do not attempt to start the vehicle. If the engine is damaged due to starting the vehicle in such conditions, even if you have purchased wading insurance, you will not be eligible for compensation.
I've been driving for twenty years, and car flooding is a common issue. Whether the insurance company compensates or not mainly depends on whether you've purchased the water damage coverage. Ordinary car damage insurance usually doesn't cover flood losses, such as water submersion or water ingress during wading, which rely on specific additional clauses. Once, I encountered heavy rain and flooding, and my car was almost totaled. Later, I learned that without the right coverage, you have to pay out of pocket. So, before checking your policy, don't recklessly start the engine to avoid ruining it. After water ingress, take photos immediately for evidence and contact the insurance company to clarify the cause. If it's a natural disaster, compensation might be possible, but driver error is often denied. I recommend adding water damage coverage before the rainy season—don't skimp on that small expense. Repairs can cost thousands or even tens of thousands, so it's much more peace of mind.
