Will the insurance company compensate for vehicles submerged in heavy rain?
2 Answers
According to relevant insurance regulations: the insurance company will compensate for vehicle damage caused by natural disasters (except earthquakes), including lightning strikes, storms, tornadoes, heavy rain, floods, ground collapse, cliff collapse, avalanche, hail, mudslides, landslides, tsunamis, and other disasters. More details about water-damaged vehicles are as follows: Overview: A water-damaged vehicle refers to a vehicle that has been submerged in water, generally meaning that the engine and transmission have been soaked, the water depth exceeds the wheels and body seats, and the bottom parts of the vehicle have been in prolonged contact with water. The risk factor is very high, as the electrical circuits are prone to short circuits, fires, and other accidents. Others: "Water-damaged vehicles" can be repaired to a certain extent, but even after repair, there are serious hidden dangers. The longer the soaking time, the higher the probability of malfunctions, and they cannot be completely repaired.
My car was also flooded in a heavy rainstorm last year, and I successfully filed a claim with the insurance company. The key is whether your policy includes auto damage insurance. After the 2020 reform, most auto damage insurance policies now include water submersion coverage. If the water level reaches above the wheels, you can basically get compensation. Never start the car! If you attempt to start it after it's been submerged, water entering the engine will become a reason for exemption. Immediately turn off the power, call the police to obtain an accident report, take several photos of the water level, and report the claim to the insurance company within 48 hours. In my case, it took about ten days for the compensation to be processed. However, older policies might not include water submersion coverage, so it's safer to check your contract in advance.
