Will the insurance company compensate if the car is washed away by rain?

1 Answers
StEva
07/30/25 6:26am
Whether the insurance company will compensate for a car being washed away by flood during heavy rain depends on whether the car owner has purchased vehicle damage insurance. More details are as follows: Specific details: If vehicle damage insurance is not purchased, the insurance company will not compensate. If vehicle damage insurance is purchased, the insurance company can compensate within the liability limit. Additionally, the insurance company can also compensate for reasonable and necessary expenses incurred by the car owner to prevent further damage to the vehicle caused by heavy rain or flood. Relevant regulations: After the 2020 auto insurance reform, water-related damage coverage was included in vehicle damage insurance. Currently, vehicle damage insurance mainly covers direct losses to the insured vehicle caused by natural disasters or accidents, provided they are not within the scope of exclusions.
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