Will the Insurance Company Compensate for a Flooded Car?
1 Answers
Whether the insurance company compensates for a flooded car depends on the specific circumstances. If the vehicle only has third-party liability insurance, the insurance company will not provide compensation. If the vehicle has comprehensive insurance (also known as collision and comprehensive coverage), you can claim compensation from the insurance company, but damages to the engine are generally not covered. If the vehicle has additional flood insurance (also known as water damage coverage), then even damages to the engine can be compensated. Additional Information: No Restarting: Moreover, if the driver forcibly starts the engine after the vehicle has been flooded, causing engine damage, the insurance company will not compensate for the engine repairs, even if the vehicle has comprehensive and flood insurance. In such cases, only the repair costs for other parts of the vehicle (excluding the engine) will be covered. Important Notes: It is important to note that the insurance company only compensates for the original parts of the vehicle. Any additional components installed by the owner will not be covered. Additionally, if the accident is caused by the owner driving without a license, under the influence of alcohol, or overloading the vehicle, the insurance company will not provide any compensation.
