Will the insurance company compensate for a water-damaged car?
2 Answers
If the car owner has purchased auto water damage insurance, they can enjoy insurance claims when the vehicle is flooded. Below is relevant information about water-damaged cars: 1. Concept: A water-damaged car refers to a vehicle that has been submerged in water, typically meaning the engine and transmission have been soaked, with water depth exceeding the wheels and body seats, and the bottom components of the vehicle being in prolonged contact with water. Such vehicles pose significant risks, as the electrical circuits are prone to short circuits and fires. 2. Insurance: There are two types of insurance related to vehicle water damage: the most common one is auto damage insurance, and the other is called special engine loss insurance, commonly known as water damage insurance.
Last time during heavy rain, my car was submerged in water, and the whole experience was quite exhausting. The insurance company actually covered the repair costs. The prerequisite was having comprehensive or collision insurance that covers flood damage—generally, water submersion caused by natural disasters is covered. However, you must report the claim promptly; I reported it the same day, took photos and videos of the submerged car on-site, and recorded the water level. The claims adjuster came quickly to inspect the car and confirmed it wasn’t due to human error before processing the claim. After submersion, never start the engine immediately, as water entering the engine can cause more severe damage—it needs to be towed to a 4S shop for a full inspection. I recommend car owners regularly check their insurance policies to confirm flood risk coverage—prevention is better than dealing with it afterward. In such situations, don’t panic; handle it step by step, ensuring safety comes first.
