Does Insurance Cover Engine Damage After Driving Through Flood? Know Your Rights Before It’s Too Late

(Photo credit: SCB)

The rainy season brings more than just wet roads — it brings flooding, and for drivers, this can mean big trouble.

If you’re forced to drive through high water and your engine breaks down, you might ask “Will my car insurance cover the damage?”. Here’s a deep dive into what you need to know about insurance coverage and how to protect your rights.

1. What Type of Damage is Considered "Flood-Related"?

Generally, damage from floods is classified as a natural disaster. Whether your insurance covers it depends on the type of policy you have.

2. Which Insurance Plan Covers Engine Damage from Floods?

• Comprehensive Insurance (Type 1 in Thailand)

✅ Covers flood-related damages, including engine damage from water intrusion

❌ However, may not cover if you intentionally or recklessly drove through deep water

• Partial Coverage (Type 2+, 3+, or Basic Third-Party)

❌ Usually does not cover flood or natural disaster damage

✅ Unless specifically stated as an add-on or in the fine print

3. When Will Insurance Not Pay?

• You drove through high water despite visible risk
• You restarted the engine after it stalled in floodwater
• You failed to follow standard safety or maintenance protocols

4. How to Make Sure Insurance Will Pay

• Avoid driving through flooded roads when possible
• If your engine stalls in water, do NOT restart it
• Call your insurance provider immediately and wait for assistance

5. To Be Covered by Insurance

• Choose Comprehensive (Type 1) coverage
• Avoid reckless driving through flooded areas
• Never restart a stalled engine in floodwater
• Contact your insurer immediately after the incident

Additional Tip

To stay protected, make it a habit to review your car insurance policy every year. Contact your insurance provider directly to confirm whether your current plan includes flood damage coverage, a crucial detail many drivers overlook.

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