Is the flooded car parked in the underground garage of the community compensated by the property or the insurance company?

Legal analysis: the water in the garage caused the vehicle to be flooded in rainy days. If the owner has insured the vehicle damage insurance, the insurance company will fully compensate the expenses beyond the reasonable maintenance scope of the damaged vehicle engine when the engine is not running and is not damaged.

Legal basis: According to Article 26 of the Insurance Law of People's Republic of China (PRC), the limitation of action for the insured or beneficiary of insurance other than personal insurance to claim compensation or pay insurance money from the insurer is two years, counting from the day when he knew or should have known the occurrence of the insured accident. The limitation of action for the insured or beneficiary of life insurance to request the insurer to pay the insurance money is five years, counting from the day when he knows or should know the occurrence of the insurance accident.