Will the insurance company compensate if the car is flooded?
2 Answers
After a car is flooded, the insurance company will compensate based on the extent of the vehicle's damage, but there are some limitations. Basis and standards for compensation: The compensation amount for a flooded car is determined based on the insurance company's inspection and damage assessment results. Generally, if the water only reaches the floor, the insurance company will only cover the repair costs. However, if the water reaches the dashboard, the insurance company will directly compensate for the vehicle's residual value and scrap the flooded car. Special cases where compensation is not provided: If the vehicle stalls while wading through water and the engine is restarted, causing the engine to be scrapped, the insurance company will not compensate for the engine damage.
Having driven for many years and witnessed numerous flood-related accidents, whether insurance covers water damage to a car depends on the policy terms. Comprehensive auto insurance typically includes compensation for natural disasters like floods, but there must be proof that the damage was caused by weather conditions, not the driver intentionally driving through water. Partial damage may not be covered if the engine was started after submersion. When filing a claim, immediately report to the insurer, avoid touching the car, let the adjuster take photos for evidence, then tow it to a repair shop for assessment. It's advisable to park on higher ground away from flooded areas, check insurance before the rainy season, and add flood coverage—a small cost to prevent major risks. Don’t gamble; without insurance, claims are difficult, leaving you to pay out of pocket.
