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Are cars damaged by flooding covered by insurance?

Insurance companies pay about 70-80% of the value of repair and replacement costs, customers must bear a deductible of 20-30%, according to lawyer Luong Huy Ha.

In recent days, heavy rain caused road flooding in Hanoi quite common. Many vehicles, including cars traveling on the road, suddenly stopped and damaged. Car owners are worried and wonder whether insurance will cover the cost of compensation for the above loss.





Many cars died and were badly damaged while participating in traffic during the past heavy rain days in Hanoi.  Photo: Ngoc Thanh

Many cars died and were badly damaged while participating in traffic during the past heavy rain days in Hanoi. Image: Ngoc Thanh

Explaining this, lawyer Luong Huy Ha, Director of LawKey Law Firm, said that the car suffered damage to the engine part due to operating in flooded areas or water entering the engine, causing a water-shock phenomenon.

“Most insurance companies have a provision to pay compensation for the cost of repairing and replacing the actual damage that occurs to the engine when it is flooded or water enters causing water damage. However, the cost level is high. pay only about 70-80% of the value of repair and replacement costs. Customers have to bear a deduction of 20-30%”, lawyer Ha said specifically.

Procedures for claiming repair and replacement costs for flooded or water-logged car engines causing water damage are similar to other legally insured cases. Specifically, lawyer Ha instructs that as soon as the car encounters the above case, the driver must take all necessary measures to prevent and limit losses.

After that, the customer must immediately call the insurance company’s switchboard and follow the instructions. The surveyor and possibly the insurance company’s lifeguard will come to the scene to assess and guide the driver. Next, the customer must notify the insurer in writing of the damage and designate a repair facility appropriate to the type of vehicle insured.

Buying car insurance is an effective solution to help car owners limit repair costs if their car is in an accident. However. Car owners need to understand the compensation cases in order to be supported to fix the damage. Flooded auto insurance is an additional benefit when customers participate in vehicle insurance.

If car owners do not buy insurance for flooded cars, it will cost a lot to repair and overcome the consequences. However, the compensation for auto insurance depends on the terms of the contract when the car owner signs with the insurance seller.

Thanh Thu

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