Will the insurance company compensate for water damage to the vehicle?
2 Answers
Generally, as long as the vehicle owner has purchased vehicle damage insurance, the insurance company will compensate for water damage to the car. Below are the specific details: Vehicle damage insurance stipulates that losses caused by lightning strikes, heavy rain, floods, waterlogging, tsunamis, etc., whether total or partial damage to the vehicle, will be covered by the insurance company. However, if the engine is damaged due to water ingress, only those who have purchased water ingress insurance will be eligible for compensation. It is important to note: If the vehicle stalls in water and the owner forcibly restarts the engine, causing damage, such losses will not be covered by the insurance company. Additionally, in the event of a breakdown due to water damage, the owner should immediately report the incident to the insurance company, actively organize rescue efforts, quickly disconnect the electrical circuit, tow the vehicle out of the water, and send it to a repair shop for maintenance.
My car was once flooded, and the insurance company compensated me, provided that I had purchased the comprehensive insurance including the vehicle damage coverage. Whether water damage is covered mainly depends on your insurance type. For example, vehicle damage insurance usually covers losses caused by natural disasters like heavy rain and floods. However, you must take photos and videos as evidence immediately after the water damage and call the insurance company to report the incident. Without additional water damage coverage, engine damage caused by starting the car after flooding might not be covered, so don’t try to drive it out. My experience is that timely handling can reduce trouble. I often remind my friends to buy additional water damage coverage as a supplement, especially in areas prone to flooding during the rainy season. In short, don’t take it lightly and keep all repair records.
