Will the insurance company compensate if I accidentally drive my car into a river?
2 Answers
If your car ends up in a river, the insurance company may not necessarily compensate you. For example, if you drove the car into the river yourself, those who have purchased vehicle damage insurance can claim according to the actual losses, but if the loss exceeds the limit, the excess part will be borne by the car owner, and it may not be fully compensated. If your car was driven into the river due to a collision with another vehicle and the other party is fully at fault, then the fully at-fault party's compulsory traffic insurance and third-party liability insurance, as well as the at-fault car owner, will compensate for all your losses, which can be fully covered. The vehicle damage insurance in car insurance usually only compensates for vehicle losses caused by natural disasters or accidents. If the actual situation of driving the car into the river falls within the scope of the insurance agreement, the insurance company will not compensate for it, and you cannot claim a total loss. For specifics, you can consult the insurance company.
As a veteran driver with over a decade of experience, I remember a fellow driver once accidentally drove into a river during heavy rain. Fortunately, he had comprehensive insurance, and the insurer covered the repair costs. The key is that the accident must be confirmed as unintentional—they investigated for drunk driving or intentional actions, requiring witness testimony or records as proof. If you only have liability insurance, the insurer won’t cover your vehicle damage, only others’ losses. Repairing a water-damaged car is a hassle, often costing thousands to replace electronic components. My advice: stay focused while driving, slow down on slippery roads. If an accident occurs, call 110 first to report and rescue, then promptly contact your insurer to file a claim—delays can affect compensation. Regularly review your policy’s coverage—don’t skimp on protection to save money.
