Will the insurance company compensate if the car is submerged in an extraordinary rainstorm?
2 Answers
Insurance companies will compensate for vehicle submersion caused by extraordinary rainstorms. Below are the specific details of insurance claims: 1. Motor Vehicle Damage Insurance: During the insurance period, the insurer is responsible for compensating the insured vehicle's losses caused by collisions, overturning, fire, explosion, falling objects, collapse, lightning, storms, tornadoes, rainstorms, floods, ground collapse, ice collapse, cliff collapse, avalanche, hail, mudslides, landslides, etc., according to the insurance contract. Expenses incurred after the vehicle is submerged, such as rescue fees, cleaning fees, electrical losses, and interior damage, are all covered under the motor vehicle damage insurance, and the insurance company should compensate accordingly. 2. Engine Water Immersion Damage Insurance: This refers to an additional insurance purchased by the car owner specifically for the engine, which can only be purchased after having motor vehicle damage insurance. During the insurance period, the insurer is responsible for compensating for direct engine damage caused by water entering the engine while the insured vehicle is in use.
I just helped a friend deal with this situation a few days ago. His car was parked in the residential area and got submerged up to half of the tires due to flooding. The key point is whether you have comprehensive car insurance, as it now includes coverage for water damage. As long as there was no secondary ignition, the insurance company will generally cover the claim. Remember to take videos as evidence immediately, clearly capturing the water level relative to the license plate position. My friend’s claim process went smoothly—the insurance agent contacted him within half an hour and arranged for a tow truck to take the car to the 4S shop for damage assessment. If your car has modified electrical circuits, you need to be extra careful. It’s best to have reported such modifications to the insurance company in advance.
