Will the insurance company compensate for cars flooded in heavy rain?

[OChloe]

For vehicles flooded due to heavy rain, there are two scenarios: The first scenario: If the vehicle is parked and gets flooded by heavy rain, it falls under the category of natural disasters covered by insurance compensation. In other words, if you have purchased auto damage insurance, the insurance company will compensate for the damage caused by flooding while the car is parked. The second scenario: If the car is flooded while driving through accumulated water, there is a key detail to note: whether the owner has purchased water ingress insurance. Before the auto insurance reform, water ingress insurance needed to be purchased separately, and it mainly covers engine damage. If water ingress insurance is not purchased, only damages to parts other than the engine can be compensated. If the car is insured with water ingress insurance or auto damage insurance purchased after September 19, then the engine can also be compensated along with other damages.