Will the insurance company compensate for water damage to the car?
2 Answers
Insurance companies will compensate for water damage to vehicles caused by natural disasters. Below is relevant information regarding insurance compensation for water-damaged vehicles: 1. Introduction: According to the relevant provisions of China's motor vehicle insurance clauses, vehicle losses caused by natural disasters such as heavy rain and floods fall under the coverage of the commercial auto insurance's vehicle damage insurance, and the company should provide compensation. 2. Non-compensable situations: (1) If the engine is flooded due to water submersion or secondary start-up, the cost of repairing the engine will not be covered under the vehicle damage insurance. (2) Items that are not part of the vehicle's standard configuration are not compensable, such as self-purchased seat cushions, personal items placed in the car, or other goods. 3. Water submersion insurance: For engine damage caused by water submersion or secondary start-up, a specialized water submersion insurance is required. The insurance coverage includes compensation whether the vehicle is submerged while parked or stalls due to water submersion while in motion.
I remember last summer when my car was flooded during a heavy rainstorm, with water rising above the wheels and the entire cabin getting soaked. I immediately contacted my insurance company, and they asked for my policy details. It turns out that if the auto damage insurance includes coverage for natural disasters, such as flooding, it would compensate for water damage. However, if the engine was flooded and I still started the car, it might not be covered unless I had purchased specific water ingress insurance. In that instance, because I hastily started the engine, the insurance only covered cleaning costs and some electrical repairs, excluding the engine damage. So, I recommend everyone check their policies, especially adding water ingress insurance before the rainy season. After an incident, don’t rush to drive—take photos to document the scene and have the car towed to a repair shop. This can avoid additional losses and make claims smoother. Ultimately, whether the insurance pays depends on your coverage type and on-the-spot actions—being more prepared never hurts.
