The car parked there was flooded. Can the insurance company pay for it?

According to the relevant provisions of China's motor vehicle insurance clauses, vehicle losses caused by natural disasters such as storms and floods belong to the insurance liability of vehicle damage insurance in commercial auto insurance. Therefore, the rescue expenses, cleaning expenses, loss of electrical appliances and loss of interior parts caused by flooded vehicles belong to the insurance liability of car damage insurance, and the insurance company should compensate them.

There are several meanings in this:

First, you must insure the car damage insurance in commercial auto insurance to get compensation, but you can't get compensation if you only insure the vehicles with strong insurance or commercial three insurances.

Secondly, the compensation scope of car damage insurance covers the expenses of rescue and cleaning and the loss of electrical appliances or interior parts, while excluding the engine damage caused by flooding or wading. That is to say, if the engine is flooded due to flooding, second start and other reasons, the cost of repairing the engine is not compensated under car damage insurance.

Third, insurance companies have special "water-related insurance" to cover engine water damage caused by flooding and secondary start-up.

Extended data

In fact, "All Risks" is not a strict insurance contract concept. The best way to know what insurance your car has is to look at the insurance policy.

For most individual car owners, it is relatively easy to judge whether to take out car damage insurance, but for water-related insurance, different insurance companies have slightly different names, some are called "special engine loss insurance" and some are called "additional water-related loss insurance".

Therefore, it is necessary to put forward a clear demand to the insurance company when insuring: engine damage caused by flooding or wading also needs to be insured.

Water-related risks are additional risks. You must buy vehicle loss insurance before you can buy water insurance. During the period of purchasing this insurance, if the vehicle engine is damaged due to water ingress, you can enjoy compensation. The insurance coverage includes compensation whether you are flooded after parking or during exercise, and the price is relatively cheap.

People's Insurance Company of China-Vehicle Insurance Clauses