Will the insurance company compensate if a car is flooded in 2021?
3 Answers
In 2021, as long as the car owner has purchased vehicle damage insurance and water-related damage insurance, the insurance company will provide compensation. Relevant information: 1. Vehicle damage insurance: Vehicle damage insurance refers to a type of commercial auto insurance where the insurance company compensates within a reasonable range for damage to the insured vehicle caused by an insured accident while the vehicle is being used by the insured or an authorized driver. 2. Water-related damage insurance: Also known as auto loss insurance or engine special loss insurance, the terminology may vary among insurance companies, but the essence remains the same. This is a newly derived type of insurance, referring to an additional coverage purchased by the car owner specifically for the engine.
As a car owner who experienced flooding last year, whether insurance will cover a waterlogged car in 2021 depends on the type of insurance you have. I had comprehensive insurance, and when my car was flooded during a heavy rainstorm, the insurance company sent someone to inspect it and covered all the damages. However, my friend only had third-party liability insurance, and in the same flooding incident, the insurance company refused to compensate, stating that he didn’t have water damage coverage. Generally, natural disasters like floods are covered under comprehensive insurance. During the claims process, it’s important to take photos as evidence, avoid starting the car to prevent secondary engine damage, and report to the insurance company immediately. If the flooding was caused by human actions, such as deliberately driving into deep water, insurance typically won’t cover it. I recommend everyone check their insurance policies before the rainy season each year to ensure they have relevant coverage, otherwise, the losses could be significant and regrettable.
Having worked in an auto repair shop for over a decade, I've seen numerous flood-damaged vehicle cases. Whether insurance covers water damage in 2021 entirely depends on your policy terms. Water damage coverage or comprehensive insurance typically includes natural disaster-related flooding, such as garage flooding during heavy rain or street submersion. However, insurers will likely deny claims for human errors like driving into a waterlogged pit. From assisting customers, I've learned that claims require submitting accident photos and flood evidence, with insurers possibly sending assessors to evaluate damage extent. Without appropriate coverage, repair costs fall on the owner. My longstanding advice: always add water damage riders, especially in flood-prone areas – it's critical for hassle-free protection. Safety first remains the golden rule.
