Will the insurance company compensate if the car is flooded by rain?

[DelLyla]

If the car is flooded by rain, the insurance company will compensate, but the compensation will depend on whether the policy was purchased before or after the auto insurance reform. The reform took place on September 22, 2020, and the specific implementation time may vary among insurance companies. It is best to consult your own insurance company for details. More extended information is as follows: 1. There are two types of insurance claims for a flooded car: one is vehicle damage insurance, and the other is engine water ingress insurance. 2. For policies purchased after the auto insurance reform: rescue costs, engine water ingress repair costs, electrical damage replacement costs, interior cleaning and replacement costs, etc., are all covered by the vehicle damage insurance. However, if the engine damage exclusion rider was purchased to save money, then the engine water ingress repair costs will not be compensated.