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Will the insurance company compensate if the car is flooded in the garage?

1 Answers

LaBrantley

07/30/25 2:29am

Whether the insurance company will compensate for a car flooded in the garage depends on the specific circumstances. Here are some key points regarding the claim: Compensation due to natural disasters: According to the insurance policy terms, if the conditions for a premium increase are met, the premium will rise in the second year. Damage issues: Losses caused by vehicles being washed away by heavy rain also fall under the scope of auto damage insurance. Specific compensation limits: The actual compensation amount is determined based on the situation. Generally, cars submerged up to the roof suffer significant damage and are recommended for total loss treatment. If the repair cost reaches 80% of the vehicle's residual value, it will be classified as a total loss, and the insurance company will compensate based on the residual value, after which the vehicle will be reclaimed and processed by the insurer.

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