Will the insurance company compensate for water damage to the car?
1 Answers
Car water damage is compensable by the insurance company. If the car is flooded due to natural disasters or accidents, you can file a claim under the auto damage insurance. After filing the claim, you need to submit the required documents as per the insurance company's guidelines. For damages not falling under the exemption clauses, the insurance company will compensate for the direct losses caused by water damage within the agreed limits. Below are relevant details: If the car is flooded while stationary: For example, if the car is parked in a residential area or underground garage and gets flooded, as long as basic auto damage insurance is purchased, compensation can be claimed. The specific compensation amount depends on the policy coverage and the assessment results. However, it’s important to note that the compensation under auto damage insurance only covers factory-installed configurations. Accessories installed by the owner, such as high-end seat covers or audio systems, are not covered. If the car stalls and gets flooded while driving: And the engine is not restarted afterward, then it depends on whether you have purchased water damage insurance. If the insurance was purchased after September 19, 2020 (post auto insurance reform), and the auto damage insurance includes water damage coverage, then both the car damage and engine damage can be compensated. If the insurance was purchased before September 19, 2020 (pre-reform), and only auto damage insurance was purchased, then only damages outside the engine are covered. If water damage insurance was also purchased, then both the car damage and engine damage can be compensated.
