Will the insurance company compensate if the car is flooded without vehicle damage insurance?

[VonEvan]

No, the insurance company will only compensate if you have purchased vehicle damage insurance. Therefore, it is highly recommended for car owners to buy vehicle damage insurance as a precaution. Additional Information: 1. Vehicle Claim Process: Report to the insurance company promptly, informing them of the vehicle's location and the extent of flooding. You can take a few simple photos of the flooded vehicle for later use in determining the extent of damage. After the insurance company assesses the vehicle's loss amount, the car owner does not need to pay the repair costs in advance. 2. Vehicle Claim Documentation: Currently, based on actual circumstances, the documentation process has been simplified. Most flooded vehicles do not require additional documents. However, for total loss vehicles or presumed total loss vehicles, documents such as the vehicle's license, registration certificate, copy of the owner's ID card, and vehicle keys are needed for subsequent claim processing.