Cars Flooded by Typhoon Bualoi: Comprehensive Guide to Insurance Types, FAQs, and Flood Protection
Typhoon Bualoi brought heavy rainfall and widespread flooding across multiple regions, leaving many cars submerged. Car owners often worry about whether insurance will cover flood damage. Understanding the terms of your insurance policy is essential to ensure fair compensation and protect your vehicle.
Flooding can damage the engine, electrical systems, interior, and other critical components. Assessing damage early and correctly is crucial.
When Car Insurance Typically Covers Flood Damage
| Insurance Type | Covers Flood Damage | Notes |
|---|---|---|
| Comprehensive Insurance | Yes, including natural disasters, typhoons, and floods | Must report promptly, repairs at approved garages |
| Third-Party Liability (TPL) | No | Covers only damage to third parties, not your car |
| Optional Add-ons | May cover flood damage depending on the policy | Some add-ons specifically cover water or natural disaster damage |
Notes:
Repair costs must be legitimate, with proper invoices from approved garages.
Owners should report damage immediately after the typhoon to secure full coverage.
When Car Insurance Does Not Cover Flood Damage
Parking negligence: Cars left in low-lying areas despite warnings.
Policy violations: Repairs done at unauthorized garages.
Liability-only policies: TPL insurance does not cover physical damage.
Intentional or gross negligence: For example, leaving a car exposed to heavy rain without protection.
Real-Life Examples
Covered Case: A Honda HR-V parked in a condominium garage was submerged 30 cm due to flooding. The owner had comprehensive insurance. The insurer covered all engine and interior repair costs.
Not Covered Case: A Toyota Vios left outside near a river was heavily flooded. The insurer denied coverage because the owner did not take reasonable preventive measures.
How to Protect Your Car During Floods
- Move your vehicle to higher ground before the typhoon.
- Cover your car with waterproof tarps if relocation is impossible.
- Get a professional car valuation after flooding to assess damage accurately. Use Motorist.vn car valuation.
- Sell your car if damage is severe: If repairs are costly or you plan to upgrade, sell your car with Motorist.vn to get the best offers from trusted dealers.
FAQs: Flood Damage and Car Insurance
1. Will comprehensive insurance cover minor flooding?
Yes, if the damage affects the engine, electrical systems, or interior.
2. What should I do immediately after flood damage?
Report to your insurer, avoid starting the car, take photos of the current state, and contact an approved garage.
3. Does TPL insurance cover flood damage to my car?
No, it only covers damage to third parties.
4. Can I get my car professionally valued before selling after a flood?
Yes, you can use Motorist.vn car valuation to get an accurate and quick assessment.
Flooding caused by Typhoon Bualoi can cause serious car damage, but understanding your insurance policy ensures fair compensation. Additionally, this is an excellent opportunity to get your car professionally valued or sell it with Motorist for the best price and a smooth, secure process.
Visit Motorist.vn today to value or sell your car quickly, safely, and at a competitive price.
