Will the insurance company compensate if the car is flooded in the rain?
2 Answers
Under the condition that the car is not restarted in water and the owner has purchased waterlogging insurance, the insurance company will provide certain compensation and cover the financial losses. The specific details are as follows: Waterlogging Insurance: Flooding of the car mainly involves engine waterlogging insurance. During the insurance period, if the insured vehicle suffers direct engine damage due to water ingress while in use, the insurer is responsible for compensation. Coverage of Waterlogging Insurance: The waterlogging insurance applies only if the insured vehicle's engine is damaged due to driving through waterlogged areas or being submerged in water. Waterlogging insurance only covers engine damage. Damage to other parts of the vehicle caused by water ingress will be compensated according to the terms of the vehicle damage insurance.
It depends on the specific insurance coverage you purchased. Last year, when my old Toyota got flooded in my residential basement, I immediately contacted the insurance adjuster for an on-site inspection. They mentioned that the current vehicle damage insurance includes water-related liabilities, but the key point is not to restart the engine. If you recklessly try to start the engine after it stalls and end up ruining it, that part of the damage will definitely not be covered. I took numerous photos of the flooded areas and obtained a proof letter from the property management, and in the end, the insurance covered all the repair and cleaning costs. I recommend moving your car to higher ground during heavy rain, not touching it after flooding, filing a claim within 48 hours, and keeping evidence like dashcam footage. If you've installed additional equipment like audio systems that weren't registered in the policy, the insurance might not cover those losses.
