Will the insurance company compensate if the car is flooded with full coverage?
1 Answers
If you have purchased full coverage and your car is flooded, the insurance company will compensate. Full coverage includes vehicle damage insurance, and as long as you have purchased commercial vehicle damage insurance, the insurance company will settle the claim. According to Article 6, Section (4) of the 'PICC Property and Casualty Company Limited Motor Vehicle Comprehensive Commercial Insurance Clauses': The insurer shall be liable for compensation as stipulated in this insurance contract for direct losses of the insured motor vehicle caused by lightning, storm, heavy rain, flood, tornado, hail, typhoon, or tropical storm, provided such losses are not within the scope of the insurer's liability exemption. It is important to emphasize that claims are based on the premise that the driver did not restart the vehicle after the incident. If the vehicle is restarted, the insurance company may refuse to compensate. This is stipulated in Article 10, Section (8) of the 'PICC Property and Casualty Company Limited Motor Vehicle Comprehensive Commercial Insurance Clauses': The insurer shall not be liable for compensation for engine damage caused by water entering the engine.