Will the insurance company compensate if the car is flooded?
2 Answers
It depends on the situation. There are two types of insurance related to vehicle water damage: the most common one is the vehicle damage insurance, and the other is called the engine special loss insurance, commonly known as water damage insurance. If the car is parked in a residential area or underground garage and suffers damage due to flooding, as long as the vehicle is covered by vehicle damage insurance, the insurance company will compensate according to natural disasters. Here is more detailed information: 1. Vehicle Damage Insurance: According to the "Motor Vehicle Commercial Insurance Demonstration Clauses," during the insurance period, if the insured vehicle suffers damage due to natural disasters such as heavy rain or floods while being used by the insured or their authorized legal user, the insurance company will compensate as agreed. 2. Compensation Requirements for Water Damage Insurance: If the vehicle is parked on the roadside or in an underground garage and gets flooded, as long as it does not involve starting the engine in the water, the vehicle damage insurance can be used for claims. Expenses such as vehicle cleaning and wiring harness inspection can also be covered by the vehicle damage insurance.
Last time my car got flooded, the insurance company actually covered it. I took photos right away for evidence and didn’t start the engine to avoid further water damage. The key is having comprehensive coverage—mine included flood and water damage. If you only have liability or basic insurance, chances are they won’t cover non-collision incidents like this. Remember to contact your insurer immediately to file a claim—they’ll arrange towing and damage assessment. Repairs are a hassle, requiring replacement of electronics and cleaning out mud to prevent circuit corrosion. This kind of thing is common during rainy seasons, so always opt for comprehensive coverage when choosing insurance—it costs more but is worth the safety. Don’t believe those who say the car is still drivable; flood-damaged cars often have long-term safety and resale value issues. My neighbor didn’t get compensated last year because he delayed calling a tow truck, and the insurer denied the claim. Bottom line: don’t gamble—act fast and double-check your policy terms.
