Will the Insurance Company Compensate for a Flooded Car?

1 Answers
PeterMarie
07/29/25 8:09pm
Whether a car can get insurance compensation after being flooded mainly depends on the following three situations: If the car is flooded while parked, such as in an underground garage or other low-lying areas, and the owner has purchased auto damage insurance, they can generally receive compensation. The insurance will cover the repair costs. If the flooding is severe and the car is totaled, there will also be some compensation for the totaled vehicle, minus normal depreciation. If the car is driven through water, the owner drives the car into the water. In this case, there are three scenarios to consider: First, if the car is insured with water ingress coverage, compensation can be obtained. However, if the water ingress coverage does not include a waiver of deductible, there will be a 20% deductible. If it is included, full compensation will be provided. If the car is not insured with water ingress coverage, the insurance company will compensate for all parts except the engine. If the car stalls due to flooding while driving, do not attempt to restart the vehicle. If the car is forcibly restarted, the insurance company may refuse compensation, and all resulting losses will have to be borne by the owner.
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