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

1 Answers
LeoLee
07/29/25 9:35am
If a car is washed away by rainwater, the owner who has purchased vehicle damage insurance can receive compensation from the insurance company. According to the provisions of vehicle damage insurance, if the insured vehicle is damaged due to lightning strikes, heavy rain, floods, waterlogging, tsunamis, etc., the insurance company will be responsible for compensating for the total or partial loss of the motor vehicle, except for the engine. Engine damage must be compensated by the water-related damage insurance. Extended information: Commercial auto insurance is classified as follows: 1. Vehicle Damage Insurance: This insurance mainly provides compensation as stipulated in the contract after accidental collisions or other incidents. Even if the owner is very careful while driving, vehicle damage can sometimes be unavoidable. 2. Third-Party Liability Insurance: This insurance mainly covers the insured's liability for compensation in the event of an accident during vehicle use that causes personal injury, death, or property damage to a third party. The insurance company will compensate for the portion exceeding the compulsory insurance limit according to the contract. 3. Passenger Liability Insurance: This insurance has two aspects. One is for the driver, also known as driver liability insurance, and the other is for passengers, known as passenger liability insurance. Both can receive compensation in the event of an accident. 4. Comprehensive Theft Insurance: This insurance mainly covers reasonable expenses for the loss or repair of the insured vehicle in case of theft, robbery, or snatching of the entire vehicle.
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