Will the Insurance Cover Vehicles Damaged in Zhengzhou Rainstorm?

[Denise]

Vehicles submerged in rainstorms can file for insurance claims. Only compulsory traffic insurance does not cover: If only compulsory traffic insurance is purchased, the insurance company will not compensate. If no commercial insurance is purchased besides compulsory traffic insurance, the loss at this time can only be borne by the vehicle owner. Purchasing compulsory and commercial insurance: Engine damage is not covered. If, in addition to compulsory traffic insurance, commercial insurance is also purchased, and the commercial insurance includes vehicle damage insurance. Then, if the vehicle is submerged in water, you can call the insurance company's damage assessment hotline to report the case. At this time, the insurance company will follow the procedures for compensation. However, the vehicle damage insurance does not cover engine water ingress. Apart from the engine, other parts of the vehicle damage, such as interior and computer boards, will be assessed for liability and compensation based on specific circumstances.