Will the insurance company compensate for a water-damaged vehicle?
2 Answers
If the vehicle is water-damaged and has purchased vehicle damage insurance, the insurance company will compensate. Neither compulsory traffic insurance nor third-party liability insurance covers water damage to vehicles; only vehicle damage insurance provides coverage. Therefore, if the vehicle does not have vehicle damage insurance, the owner must bear the losses caused by water damage. Below are the steps to handle a water-damaged vehicle: 1. Report to the insurance company promptly: After the vehicle is water-damaged, report to the insurance company immediately. If conditions permit, take photos of the water-damaged vehicle while ensuring personal safety, which will help the insurance company assess the damage. 2. Follow-up procedures: After the flood recedes, the insurance company will send a specialist to assess the damage and issue a damage assessment report. Once the owner submits the claim materials and the insurance company approves them, repairs can proceed. If the vehicle is deemed a total loss, the insurance company will directly transfer the compensation to the insured's bank account.
Well, I happened to encounter this issue of whether insurance companies cover water-damaged vehicles last year. At that time, a typhoon brought heavy rain, and my car parked in the underground garage of my residential area got flooded, with the water level almost reaching the seats. I had purchased comprehensive car insurance that included coverage for water damage, so I called the insurance company, and they quickly sent someone to inspect the scene and take photos. After confirming it was caused by a natural disaster, they covered most of the repair costs, only deducting a small deductible. However, if you don't have water damage coverage or if you drive through deep water on your own causing the flooding, the insurance company will most likely refuse to pay. I recommend everyone to carefully read the insurance policy terms and not skimp on this coverage, park in higher areas to avoid risks, and in case of an incident, report it to the insurance company immediately without moving the car to prevent secondary damage that could affect the claim.
