Will the insurance company pay for the flooded car?

As long as the owner has purchased car damage insurance, he can call the insurance company to claim compensation after the car starts. Car damage insurance stipulates that the insurance company is responsible for compensation for all or part of the losses of motor vehicles caused by heavy rain, floods, landslides and other reasons. There are generally two situations in which vehicles enter the water. First, the road is deep and the car begins to enter the water;

The vehicle stopped water supply, and the insurance purchased before September 19, 2020 needs to cover both car damage insurance and water-related insurance. The owner failed to start the engine twice, resulting in the car stalling or moving. The insurance company will pay in full. Car damage insurance purchased after September 19, 2020 can be paid in full.

September 2020 19 auto insurance reform. Therefore, before the reform, if the engine is damaged due to water inflow and other reasons, only water-related insurance can be insured for compensation. Water insurance does not pay. It should be noted that even if the owner buys water-related insurance, he can only pay 80% liability insurance at most, because water-related insurance includes 20% deductible. Therefore, when the vehicle wades, it is necessary to purchase car damage insurance and water-related insurance in order to pay in full.

After the reform, water-related insurance is directly included in the scope of liability of car damage insurance. As long as the vehicle is insured against car damage, the insurance company must pay for the engine loss caused by wading. The insurance company will pay according to the insured amount. What's the insured amount at the time of insurance, and the maximum compensation limit is so much. In other words, if you buy 200,000 car damage insurance, the insurance company will pay up to 200,000. But if the car is flooded, the car damage insurance may not be paid in full, depending on the actual situation.

What if the car insurance is flooded?

1. Call the insurance company about the accident. If the insured vehicle stalls in the water, it shall not be started again. Instead, you should call the insurance company and inform it.

2. Whether the insurance company pays and how much it pays can only be determined after the loss is determined. Therefore, it is necessary to take photos of the scene and collect evidence, and take photos of the scene and the damage of the vehicle in time, so that the loss adjuster can determine the damage.

3. The expenses incurred by the owner in rescuing the car can also be reimbursed by the insurance company, so when the car bubbles, the owner calls a rescue car to tow the car away, not to start the car.