Will the insurance company compensate for vehicles submerged in rainstorm?

[OKinsley]

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.

[VanAmir]

When I bought my car, a friend who sells insurance reminded me that if I purchased comprehensive car insurance, damages from heavy rain and flooding would generally be covered. Last summer, my car was submerged in water, and the insurance company quickly sent someone to take photos and assess the damage, paying over 20,000 yuan for repairs. The key here is the type of insurance—comprehensive coverage includes natural disasters, while third-party liability insurance doesn’t cover flood damage. If your car gets flooded, report it immediately without hesitation. I recommend taking a few photos of the scene and noting the water level to speed up the claims process. Never try to start the car or drive it away, as this can destroy the engine and lead to bigger losses. For prevention, park on higher ground during heavy rain seasons, check that doors and windows are tightly closed, and regularly review your policy to ensure proper coverage. In short, filing a claim isn’t difficult, but without insurance, you’ll have to pay out of pocket.

[VanMarcus]

I think flood damage claims depend on whether you have comprehensive insurance. I learned the hard way when I didn't have it and had to pay over 8,000 RMB for repairs myself. Typically, comprehensive coverage includes natural disaster compensation, where insurers pay based on damage assessment - the process is straightforward. If your car gets flooded, immediately park in a safe spot and call your insurer to file a claim. They'll send an adjuster to assess the damage. Taking photos documenting the water level on your car is crucial - a friend of mine got partial claim denial for not doing this. Never attempt to start the engine or shift gears, as this could fry components and worsen the problem. Always avoid parking in flood-prone areas and regularly check your policy status. Claims are reliable if you act promptly - don't procrastinate and complicate matters.

[TravisAnn]

Flood damage claims for vehicles generally require comprehensive insurance. I've experienced a similar situation where the insurance company conducted an inspection and covered the full repair costs. The process was quite straightforward: don't move the waterlogged vehicle, first report the incident and take photos, then wait for professional towing service. Claims may be denied without comprehensive coverage or if reported too late. For daily prevention, it's advisable to avoid parking in low-lying areas to prevent such incidents.