Will the insurance company compensate for a water-damaged car?
2 Answers
Car insurance companies will compensate for water damage, but if the car stalls during wading and the owner restarts it, causing engine damage, no compensation will be provided. Related information: 1. Wading insurance: Wading insurance is a newly derived type of car insurance, mainly referring to an additional insurance purchased by the owner for the engine. It primarily covers compensation for engine damage caused by driving through waterlogged roads or being submerged in water. 2. Extension: However, if the owner forcibly starts the engine after the car is submerged, causing damage, the insurance company will not compensate. Additional car insurance coverages include comprehensive theft insurance, standalone glass breakage insurance, vehicle downtime loss insurance, spontaneous combustion loss insurance, and vehicle wading insurance, among others.
I remember last year during the heavy rainstorm, my car was half-submerged in water, and the insurance company actually paid out because I had purchased comprehensive car insurance plus the additional water damage coverage—that thing can be a lifesaver in critical moments. Whether the insurance company compensates you or not mainly depends on whether your policy covers flood damage: if you only have compulsory traffic insurance, they generally won’t cover commercial losses; but if you have full coverage or a dedicated water damage rider, as long as you report it promptly, avoid restarting the engine (to prevent engine seizure), and take photos as evidence, the claim process will go smoothly. Before floods hit, I always recommend parking on higher ground and regularly reviewing your policy terms to avoid regrets later. With insurance, being proactive is absolutely crucial.
