Will the insurance company compensate if the car is washed away by water?
1 Answers
If a car is washed away by water, the insurance company will compensate, provided that the user has purchased vehicle damage insurance. Only vehicle damage insurance covers compensation for a car being washed away by water. According to the coverage of vehicle damage insurance, losses to the insured vehicle caused by lightning, hail, floods, heavy rain, tsunamis, and other similar events are covered by the insurer. After the car is washed away by rain, the first step is to report the incident to the insurance company for processing. If the car cannot be found, the owner should obtain a relevant certificate from the local public security authority and complete the vehicle deregistration procedures at the vehicle management office. The insurance company will then proceed with the compensation. According to the "Motor Vehicle Registration Regulations," if a motor vehicle is lost due to a natural disaster, a certificate proving the loss caused by the natural disaster must be issued by a government department at the level of a street, township, or town or above in the area where the disaster occurred. Additionally, if a motor vehicle is lost due to a disaster, the owner must apply for deregistration at the vehicle management office where the vehicle is registered. The application requires filling out a form and submitting the motor vehicle registration certificate, the motor vehicle license, the owner's identity proof, and the motor vehicle loss certificate.
