Will the insurance company compensate for flood-damaged vehicles?
2 Answers
If a parked vehicle is submerged, the insurance company can provide compensation. For vehicles parked in paid parking lots or garages, you may negotiate with the parking facility. If there is evidence of poor management, you can also request the parking facility to bear part of the loss. Below is relevant information: Compensation details: For a water-damaged vehicle, all damages except engine damage can be covered by commercial vehicle damage insurance. This type of claim is unrelated to compulsory traffic insurance and third-party liability insurance. Engine damage requires additional engine water ingress insurance for compensation. The specific terms of additional insurance vary among different insurance companies, so whether compensation is provided for restarting the engine underwater also differs. Therefore, it is necessary to refer to the insurance company's policy for clarification. Insurance companies: Currently, most insurance companies' special loss insurance for engines (or water ingress insurance) explicitly state that starting the insured vehicle underwater falls within the coverage scope. This means engine damage caused by starting underwater is also covered. Examples include PICC, Ping An, Pacific, Dadi, Life, Sunshine, Huatai, Tianan, and Anbang.
I've been driving for several years and have some experience with flooded cars. Whether the insurance company compensates or not mainly depends on the type of car insurance you have. If you've purchased comprehensive insurance or full coverage that includes natural disasters, flood damage is usually covered. But if you only have compulsory traffic insurance or basic coverage, it won't be covered, and you'll have to pay out of pocket. Last time my car got flooded in heavy rain, I contacted the insurance company promptly, took photos as evidence, and eventually received the claim smoothly. For prevention, park in higher spots and pay attention to weather warnings. Although full coverage is more expensive, it really gives peace of mind during major disasters.
