Will the insurance company compensate for flood-damaged vehicles?
1 Answers
If you have purchased vehicle damage insurance, the insurance company will compensate. Below are the relevant details: 1. Insurance policy provisions: Vehicle losses caused by general 'natural disasters' such as heavy rain, floods, landslides, and mudslides fall under the coverage of vehicle damage insurance in commercial auto insurance, and the insurance company will handle the claim. Therefore, the insurance company will be responsible for compensating direct losses to the vehicle caused by flooding, as stipulated in the insurance contract. 2. Secondary ignition: If the engine stalls during water wading and is damaged due to forced secondary ignition leading to water ingress, the insurance company may refuse compensation. Hence, if the vehicle stalls during water wading, never attempt to restart it forcibly.