Will the insurance company compensate for vehicles submerged in rainstorm?

1 Answers
OKinsley
07/30/25 2:10am
According to relevant insurance regulations: The insurance company will compensate for vehicle damage caused by natural disasters (except earthquakes), including lightning strikes, storms, tornadoes, rainstorms, floods, ground collapses, cliff collapses, avalanches, hail disasters, mudslides, landslides, tsunamis, and other disasters. More details about submerged vehicles are as follows: 1. Overview: A submerged vehicle refers to a vehicle that has been soaked in water, generally meaning that the engine and transmission have been submerged, with the water depth exceeding the wheels and body seats, and the bottom parts of the vehicle body 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. 2. Others: "Submerged 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.
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