Will the insurance company compensate if the car is parked on the roadside and flooded?
1 Answers
If the car is parked on the roadside and flooded, the insurance company will compensate. However, without purchasing water damage insurance, the insurance company will only cover the car's losses other than the engine. After the car is flooded, the following issues may arise: 1. Mold and corrosion in channels: There are many channels in a car, which are difficult to clean after being flooded and may develop mold and rust over time, such as the inner side of door panels, air conditioning ducts, and some structural cavities. Additionally, areas like the crankcase and differential have exhaust holes. 2. Bearing deterioration: The grease in the car's wheel bearings and half-shafts may quickly degrade when soaked in water. 3. Damage to electronic equipment: Electronic parking brakes, audio systems, and some sensors may leave hidden dangers if not repaired promptly after being soaked. 4. The car may be scrapped: The most severe situation is when water enters the intake tract and the engine is forcibly started, potentially bending or breaking the connecting rods, leading to the car being scrapped.