Will Vehicle Insurance Cover Damage from Heavy Rain in Guangzhou?

[MacLucia]

Insurance can cover vehicle damage caused by heavy rain and flooding. Only Compulsory Traffic Insurance (CTI) does not cover: If only Compulsory Traffic Insurance is purchased, the insurance company will not provide compensation. If no commercial insurance is purchased besides CTI, the losses must be borne by the vehicle owner. Purchasing CTI and Commercial Insurance: Engine damage is not covered. If commercial insurance, including vehicle damage insurance, is purchased in addition to CTI, the owner can file a claim with the insurance company by calling the designated loss assessment hotline after the vehicle is submerged. The insurance company will then proceed with compensation according to the procedure. However, vehicle damage insurance does not cover engine water ingress. Damage to other parts of the car, such as the interior or electronic control units, will be assessed and compensated based on specific circumstances.