{"content_id":"mbehloctwp","slug":"flood-damaged-car-insurance-claim-guide","locale":"en","schema_type":"HowTo","category":"how_to","category_name":"How-to","title":"Flood-Damaged Car Insurance: Repair and Total Loss Claims","summary":"This process involves confirming your own-vehicle damage and single-vehicle accident coverage, documenting the flooding, and filing a claim with your insurer. It also explains coverage decisions based on whether the vehicle was parked or being driven, along with repairs, total loss, and deductible structures.","sponsorship_disclosure":null,"affiliate_disclosure":null,"commerce_disclosure":null,"author":{"name":"OnBinder Editorial Team","url":"https://onbinder.com/ko/about"},"key_points":["Get to safety and photograph the flooded condition without starting the engine.","Check your insurance policy to confirm whether you have own-vehicle damage and single-vehicle accident coverage.","Collect the location and time of the flooding, towing records, and vehicle inspection results.","Report the accident through your insurer's official app, website, or call center.","Review the repair or total-loss settlement based on the insurer's loss assessment."],"content_markdown":"If your own vehicle damage coverage and single-vehicle accident coverage are valid, you may file a claim for flood damage caused by a typhoon or flood. After ensuring your safety, gather photos, location information, and towing and repair records, and immediately report the claim to your insurer. Check the applicable laws and policy terms for the limitation period on insurance claims, and it is safer not to delay because an on-site investigation may be required.\n\nBased on the published response (check the original for the publication date)\n\n## How to Report a Claim Immediately After Flooding\n\nImmediately after flooding, prioritize personal safety over the vehicle. Even after the water has receded, do not attempt to start the vehicle. Doing so may worsen damage to the electrical system and engine.\n\n1. Move from the flooded area to a safe location.\n2. Photograph the water level outside and inside the vehicle.\n3. Record the flooding location and the time it was discovered.\n4. Check your insurance policy for the coverage you purchased.\n5. Have the vehicle towed using your insurer’s emergency roadside service.\n6. Have the vehicle inspected by a repair shop designated by the insurer.\n7. Review the loss assessment determining whether the vehicle should be repaired or treated as a total loss.\n\nReport the accident through your insurer’s official channels. The call center number and reporting method are listed in the insurance policy. There is no single claims portal because each insurer has a different claims submission address.\n\n## Summary by Coverage Condition\n\nCoverage is determined by considering both the coverage purchased and the cause of the flooding. Compensation is not automatic merely because the vehicle was submerged. The insurer will also investigate driver negligence and exclusions under the policy terms.\n\n| Situation | General Assessment | What to Check |\n|---|---|---|\n| Flooding caused by a typhoon or flood while properly parked | Eligible for own vehicle damage coverage review | Whether own vehicle damage coverage and relevant riders were purchased |\n| Sudden flooding while driving normally | Eligible for own vehicle damage coverage review | Whether access was restricted at the time and the circumstances of driving |\n| Windows or sunroof left open | Coverage may be limited | Cause of rainwater intrusion and wording of the policy terms |\n| Voluntary entry into a restricted flood zone | Coverage may be limited or negligence may be assessed | Time of restriction and circumstances of entry |\n| Damage only to your own vehicle without own vehicle damage coverage | Difficult to obtain auto insurance compensation | Whether separate disaster assistance is available |\n| Damage to personal belongings inside the vehicle | Generally excluded from own vehicle damage coverage | Whether belongings are covered under separate insurance |\n\nThe assessment may differ if there are circumstances indicating that the risk was intentionally increased. Coverage is not immediately excluded merely because a forecast had been issued. The insurer will review both on-site restrictions and the circumstances of driving.\n\n## How to Check Own Vehicle Damage Coverage\n\nFirst, find the own vehicle damage section in your insurance policy. You must also check the special policy terms for single-vehicle accident coverage. The wording may vary depending on the insurance product and enrollment date.\n\n1. Open the contract in the insurer’s app or website.\n2. Select the coverage or insurance policy menu.\n3. Check whether own vehicle damage coverage is active.\n4. Check riders related to single-vehicle accidents.\n5. Save the vehicle value and deductible terms.\n\nIf the coverage is unclear, request a written response from the insurer. You must also confirm that the coverage was valid on the accident date. The renewal date or unpaid premiums may affect the assessment.\n\n\u003e “If you have purchased the coverage, you may receive compensation for damage to the vehicle caused by flooding or similar events, and the insurance payment will be limited to the vehicle value stated in the insurance policy.”\n\u003e\n\u003e — Guidance on “Vehicle Flood Damage Caused by Torrential Rain”\n\nCheck the standard auto insurance policy terms for the exact official wording. You should also compare them with the individual policy terms of your insurer. Rider names and deductible terms may vary by contract.\n\n## Evidence Required for an Insurance Claim\n\nPrepare materials showing the cause of the flooding and the extent of the damage. Not every document is necessarily required. Submit additional documents as instructed by the insurer.\n\n- Photos showing the entire vehicle and license plate\n- Photos showing the interior waterline and points of water entry\n- Record of the flooding location and the time it was discovered\n- Dashcam footage or nearby video footage\n- Towing confirmation and towing fee receipt\n- Repair shop diagnostic report and repair estimate\n- Vehicle registration certificate and bank account for receiving the insurance payment\n- Materials confirming whether the area was restricted\n\nTake photos only when it is safe to do so. Do not re-enter a flooded underground area. If there is a risk to human life, evacuation takes priority over taking photos.\n\n## Comparing Repair and Total Loss\n\nA vehicle is not always treated as a partial loss merely because it can be repaired. The insurer considers both technical repairability and economic feasibility. The final approved amount is determined through the loss assessment.\n\n| Category | Repair Treatment | Total-Loss Treatment |\n|---|---|---|\n| Basic assessment | Restoration to the pre-loss condition through repairs is possible | Repair is impossible or economically impractical |\n| Compensation standard | Calculated based on approved repair costs | Calculated up to the vehicle value stated in the insurance policy |\n| Deductible | Deduction terms under the contract apply | Check the applicable policy terms to determine whether it applies |\n| Vehicle handling | Continue driving after repairs | Discuss scrapping the vehicle or transferring the salvage |\n| Required materials | Estimate and repair records | Total-loss confirmation and deregistration or scrapping documents |\n\nStarting repairs at your own discretion may lead to a dispute over costs. You should also not scrap the vehicle before the insurer inspects the damage. First obtain written confirmation of the investigation and handling plan.\n\n## Structure for Calculating Compensation and the Deductible\n\nFlood insurance payments are not based on the vehicle’s actual purchase price. The vehicle value stated in the insurance policy is the compensation limit. It may also differ from the listed sale price of a used vehicle.\n\n- Estimated partial-loss payment = Repair costs approved by the insurer − Deductible under the policy terms\n- Estimated total-loss payment = Approved loss amount settled within the vehicle value limit\n- Additional equipment = Separately check whether it is included in the insured items\n- Towing and storage fees = Confirm necessity and the approved scope with the insurer\n\nDeductible percentages and minimum and maximum limits vary by contract. Calculate the amount based on the own vehicle damage section of the insurance policy. The deduction method for a total loss must also be checked in the policy terms.\n\n## Premium Surcharges and Renewal Impact\n\nFlooding caused by a natural disaster without driver negligence is generally not subject to a negligence-based premium surcharge. However, the assessment may differ if a violation of restrictions or an increase in damage is confirmed. Also ask the insurer how discounts will be applied upon renewal.\n\nReporting an accident and receiving an insurance payment are separate stages. A record of merely asking whether coverage is available does not confirm payment. Ask about the premium impact based on the final accident code and negligence assessment.\n\n## Acquisition Tax and Vehicle Handling After a Total Loss\n\nIf you purchase a replacement vehicle after a total loss, check whether local tax relief is available. Statutory requirements may apply to the acquisition of a replacement for a vehicle rendered unusable by a disaster. The tax department of the competent local government determines eligibility.\n\nA total-loss confirmation from the insurer may be required. A vehicle scrapping acceptance certificate and proof of damage may also be requested. Before signing a contract for a new vehicle, check the required documents and applicable deadline.\n\nYou must also agree on the handling of the salvage before receiving the total-loss insurance payment. There may be terms under which rights to the salvage are transferred to the insurer. Avoid selling or dismantling it at your own discretion.\n\n## Common Mistakes\n\nThe biggest mistake is starting the vehicle immediately after the water recedes. This may lead to a dispute over whether the damage was worsened. Document the vehicle’s condition before it is towed.\n\n- Checking only that own vehicle damage coverage was purchased without reviewing the relevant riders\n- Failing to record the flooding location and time\n- Proceeding with repairs or scrapping before the insurer’s confirmation\n- Assuming the full vehicle purchase price will be compensated\n- Assuming personal belongings inside the vehicle are covered by own vehicle damage coverage\n- Delaying the claim solely because of the limitation period\n- Relying only on verbal guidance without keeping a record of the handling terms\n\nThe limitation period for insurance claims under the Commercial Act must be checked in the latest provisions of the Commercial Act. The precise starting point may be disputed depending on the accident and the circumstances in which the claim arose. Immediately after the accident, leave a written record of your intent to file a claim or obtain a claim reference number.\n\n## Creating a Flood Accident Timeline\n\nCreating a one-page timeline makes the loss investigation easier. Arrange your actions and evidence before and after the flooding in chronological order. You can also compare the times shown in different documents.\n\n1. Record the times of weather advisories and road restrictions.\n2. Record when the vehicle was parked or driven.\n3. Record when the flooding was discovered.\n4. Link the capture times of photos and videos.\n5. Add the times of the insurance claim report and towing.\n6. Attach the repair shop admission time and diagnostic results.\n\nThis record is useful for explaining whether you entered a restricted area. It can also show circumstances indicating that the damage was not worsened. Do not edit the original files; store them separately.\n\n## Flood-Damaged Vehicle Insurance Coverage FAQ\n\n### Is Flooding While Parked Covered?\n\nIf a vehicle properly parked in an appropriate location was flooded by a typhoon or flood, it is eligible for coverage review. Own vehicle damage coverage and relevant riders must have been valid on the accident date. There must also be no intentional act or significant cause of increased damage.\n\n### Is Coverage Denied If the Vehicle Is Submerged While Driving?\n\nCoverage is not always denied merely because the vehicle was flooded while being driven. The insurer will investigate whether the flooding was sudden or whether restrictions were disregarded. Submit the circumstances of driving and the road conditions at the time.\n\n### Is a Laptop Left Inside the Vehicle Also Covered?\n\nOwn vehicle damage coverage covers damage to the vehicle itself. Personal belongings such as laptops and bags are generally not covered. Check separate property insurance or personal belongings coverage.\n\n### Can I Move the Vehicle to a Repair Shop Before the Insurer Inspects It?\n\nTowing the vehicle to a safe location may be necessary. However, disassembly or repairs should be performed only after the insurer’s inspection. Keep the towing confirmation and photos taken when the vehicle arrived at the repair shop.\n\n### What Happens If Repair Costs Exceed the Vehicle Value?\n\nThe vehicle may be deemed an economic total loss. The insurer compares the approved repair costs with the vehicle value. Obtain written confirmation of the total-loss determination and salvage handling terms.\n\n### Will My Premium Increase If I Receive a Flood Insurance Payment?\n\nFlooding caused by a natural disaster without negligence is generally not subject to a negligence-based premium surcharge. The assessment may differ if negligence, such as violating restrictions, is confirmed. Before renewal, ask the insurer which accident code will apply.","content_html":"\u003cp\u003eIf your own vehicle damage coverage and single-vehicle accident coverage are valid, you may file a claim for flood damage caused by a typhoon or flood. After ensuring your safety, gather photos, location information, and towing and repair records, and immediately report the claim to your insurer. Check the applicable laws and policy terms for the limitation period on insurance claims, and it is safer not to delay because an on-site investigation may be required.\u003c/p\u003e\n\u003cp\u003eBased on the published response (check the original for the publication date)\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#how-to-report-a-claim-immediately-after-flooding\" class=\"anchor\" id=\"how-to-report-a-claim-immediately-after-flooding\"\u003e\u003c/a\u003eHow to Report a Claim Immediately After Flooding\u003c/h2\u003e\n\u003cp\u003eImmediately after flooding, prioritize personal safety over the vehicle. Even after the water has receded, do not attempt to start the vehicle. Doing so may worsen damage to the electrical system and engine.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eMove from the flooded area to a safe location.\u003c/li\u003e\n\u003cli\u003ePhotograph the water level outside and inside the vehicle.\u003c/li\u003e\n\u003cli\u003eRecord the flooding location and the time it was discovered.\u003c/li\u003e\n\u003cli\u003eCheck your insurance policy for the coverage you purchased.\u003c/li\u003e\n\u003cli\u003eHave the vehicle towed using your insurer’s emergency roadside service.\u003c/li\u003e\n\u003cli\u003eHave the vehicle inspected by a repair shop designated by the insurer.\u003c/li\u003e\n\u003cli\u003eReview the loss assessment determining whether the vehicle should be repaired or treated as a total loss.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eReport the accident through your insurer’s official channels. The call center number and reporting method are listed in the insurance policy. There is no single claims portal because each insurer has a different claims submission address.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#summary-by-coverage-condition\" class=\"anchor\" id=\"summary-by-coverage-condition\"\u003e\u003c/a\u003eSummary by Coverage Condition\u003c/h2\u003e\n\u003cp\u003eCoverage is determined by considering both the coverage purchased and the cause of the flooding. Compensation is not automatic merely because the vehicle was submerged. The insurer will also investigate driver negligence and exclusions under the policy terms.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eSituation\u003c/th\u003e\n\u003cth\u003eGeneral Assessment\u003c/th\u003e\n\u003cth\u003eWhat to Check\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Situation\"\u003eFlooding caused by a typhoon or flood while properly parked\u003c/td\u003e\n\u003ctd data-label=\"General Assessment\"\u003eEligible for own vehicle damage coverage review\u003c/td\u003e\n\u003ctd data-label=\"What to Check\"\u003eWhether own vehicle damage coverage and relevant riders were purchased\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Situation\"\u003eSudden flooding while driving normally\u003c/td\u003e\n\u003ctd data-label=\"General Assessment\"\u003eEligible for own vehicle damage coverage review\u003c/td\u003e\n\u003ctd data-label=\"What to Check\"\u003eWhether access was restricted at the time and the circumstances of driving\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Situation\"\u003eWindows or sunroof left open\u003c/td\u003e\n\u003ctd data-label=\"General Assessment\"\u003eCoverage may be limited\u003c/td\u003e\n\u003ctd data-label=\"What to Check\"\u003eCause of rainwater intrusion and wording of the policy terms\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Situation\"\u003eVoluntary entry into a restricted flood zone\u003c/td\u003e\n\u003ctd data-label=\"General Assessment\"\u003eCoverage may be limited or negligence may be assessed\u003c/td\u003e\n\u003ctd data-label=\"What to Check\"\u003eTime of restriction and circumstances of entry\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Situation\"\u003eDamage only to your own vehicle without own vehicle damage coverage\u003c/td\u003e\n\u003ctd data-label=\"General Assessment\"\u003eDifficult to obtain auto insurance compensation\u003c/td\u003e\n\u003ctd data-label=\"What to Check\"\u003eWhether separate disaster assistance is available\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Situation\"\u003eDamage to personal belongings inside the vehicle\u003c/td\u003e\n\u003ctd data-label=\"General Assessment\"\u003eGenerally excluded from own vehicle damage coverage\u003c/td\u003e\n\u003ctd data-label=\"What to Check\"\u003eWhether belongings are covered under separate insurance\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eThe assessment may differ if there are circumstances indicating that the risk was intentionally increased. Coverage is not immediately excluded merely because a forecast had been issued. The insurer will review both on-site restrictions and the circumstances of driving.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#how-to-check-own-vehicle-damage-coverage\" class=\"anchor\" id=\"how-to-check-own-vehicle-damage-coverage\"\u003e\u003c/a\u003eHow to Check Own Vehicle Damage Coverage\u003c/h2\u003e\n\u003cp\u003eFirst, find the own vehicle damage section in your insurance policy. You must also check the special policy terms for single-vehicle accident coverage. The wording may vary depending on the insurance product and enrollment date.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the contract in the insurer’s app or website.\u003c/li\u003e\n\u003cli\u003eSelect the coverage or insurance policy menu.\u003c/li\u003e\n\u003cli\u003eCheck whether own vehicle damage coverage is active.\u003c/li\u003e\n\u003cli\u003eCheck riders related to single-vehicle accidents.\u003c/li\u003e\n\u003cli\u003eSave the vehicle value and deductible terms.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eIf the coverage is unclear, request a written response from the insurer. You must also confirm that the coverage was valid on the accident date. The renewal date or unpaid premiums may affect the assessment.\u003c/p\u003e\n\u003cblockquote\u003e\n\u003cp\u003e“If you have purchased the coverage, you may receive compensation for damage to the vehicle caused by flooding or similar events, and the insurance payment will be limited to the vehicle value stated in the insurance policy.”\u003c/p\u003e\n\u003cp\u003e— Guidance on “Vehicle Flood Damage Caused by Torrential Rain”\u003c/p\u003e\n\u003c/blockquote\u003e\n\u003cp\u003eCheck the standard auto insurance policy terms for the exact official wording. You should also compare them with the individual policy terms of your insurer. Rider names and deductible terms may vary by contract.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#evidence-required-for-an-insurance-claim\" class=\"anchor\" id=\"evidence-required-for-an-insurance-claim\"\u003e\u003c/a\u003eEvidence Required for an Insurance Claim\u003c/h2\u003e\n\u003cp\u003ePrepare materials showing the cause of the flooding and the extent of the damage. Not every document is necessarily required. Submit additional documents as instructed by the insurer.\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003ePhotos showing the entire vehicle and license plate\u003c/li\u003e\n\u003cli\u003ePhotos showing the interior waterline and points of water entry\u003c/li\u003e\n\u003cli\u003eRecord of the flooding location and the time it was discovered\u003c/li\u003e\n\u003cli\u003eDashcam footage or nearby video footage\u003c/li\u003e\n\u003cli\u003eTowing confirmation and towing fee receipt\u003c/li\u003e\n\u003cli\u003eRepair shop diagnostic report and repair estimate\u003c/li\u003e\n\u003cli\u003eVehicle registration certificate and bank account for receiving the insurance payment\u003c/li\u003e\n\u003cli\u003eMaterials confirming whether the area was restricted\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eTake photos only when it is safe to do so. Do not re-enter a flooded underground area. If there is a risk to human life, evacuation takes priority over taking photos.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#comparing-repair-and-total-loss\" class=\"anchor\" id=\"comparing-repair-and-total-loss\"\u003e\u003c/a\u003eComparing Repair and Total Loss\u003c/h2\u003e\n\u003cp\u003eA vehicle is not always treated as a partial loss merely because it can be repaired. The insurer considers both technical repairability and economic feasibility. The final approved amount is determined through the loss assessment.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eCategory\u003c/th\u003e\n\u003cth\u003eRepair Treatment\u003c/th\u003e\n\u003cth\u003eTotal-Loss Treatment\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eBasic assessment\u003c/td\u003e\n\u003ctd data-label=\"Repair Treatment\"\u003eRestoration to the pre-loss condition through repairs is possible\u003c/td\u003e\n\u003ctd data-label=\"Total-Loss Treatment\"\u003eRepair is impossible or economically impractical\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eCompensation standard\u003c/td\u003e\n\u003ctd data-label=\"Repair Treatment\"\u003eCalculated based on approved repair costs\u003c/td\u003e\n\u003ctd data-label=\"Total-Loss Treatment\"\u003eCalculated up to the vehicle value stated in the insurance policy\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eDeductible\u003c/td\u003e\n\u003ctd data-label=\"Repair Treatment\"\u003eDeduction terms under the contract apply\u003c/td\u003e\n\u003ctd data-label=\"Total-Loss Treatment\"\u003eCheck the applicable policy terms to determine whether it applies\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eVehicle handling\u003c/td\u003e\n\u003ctd data-label=\"Repair Treatment\"\u003eContinue driving after repairs\u003c/td\u003e\n\u003ctd data-label=\"Total-Loss Treatment\"\u003eDiscuss scrapping the vehicle or transferring the salvage\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eRequired materials\u003c/td\u003e\n\u003ctd data-label=\"Repair Treatment\"\u003eEstimate and repair records\u003c/td\u003e\n\u003ctd data-label=\"Total-Loss Treatment\"\u003eTotal-loss confirmation and deregistration or scrapping documents\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eStarting repairs at your own discretion may lead to a dispute over costs. You should also not scrap the vehicle before the insurer inspects the damage. First obtain written confirmation of the investigation and handling plan.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#structure-for-calculating-compensation-and-the-deductible\" class=\"anchor\" id=\"structure-for-calculating-compensation-and-the-deductible\"\u003e\u003c/a\u003eStructure for Calculating Compensation and the Deductible\u003c/h2\u003e\n\u003cp\u003eFlood insurance payments are not based on the vehicle’s actual purchase price. The vehicle value stated in the insurance policy is the compensation limit. It may also differ from the listed sale price of a used vehicle.\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eEstimated partial-loss payment = Repair costs approved by the insurer − Deductible under the policy terms\u003c/li\u003e\n\u003cli\u003eEstimated total-loss payment = Approved loss amount settled within the vehicle value limit\u003c/li\u003e\n\u003cli\u003eAdditional equipment = Separately check whether it is included in the insured items\u003c/li\u003e\n\u003cli\u003eTowing and storage fees = Confirm necessity and the approved scope with the insurer\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eDeductible percentages and minimum and maximum limits vary by contract. Calculate the amount based on the own vehicle damage section of the insurance policy. The deduction method for a total loss must also be checked in the policy terms.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#premium-surcharges-and-renewal-impact\" class=\"anchor\" id=\"premium-surcharges-and-renewal-impact\"\u003e\u003c/a\u003ePremium Surcharges and Renewal Impact\u003c/h2\u003e\n\u003cp\u003eFlooding caused by a natural disaster without driver negligence is generally not subject to a negligence-based premium surcharge. However, the assessment may differ if a violation of restrictions or an increase in damage is confirmed. Also ask the insurer how discounts will be applied upon renewal.\u003c/p\u003e\n\u003cp\u003eReporting an accident and receiving an insurance payment are separate stages. A record of merely asking whether coverage is available does not confirm payment. Ask about the premium impact based on the final accident code and negligence assessment.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#acquisition-tax-and-vehicle-handling-after-a-total-loss\" class=\"anchor\" id=\"acquisition-tax-and-vehicle-handling-after-a-total-loss\"\u003e\u003c/a\u003eAcquisition Tax and Vehicle Handling After a Total Loss\u003c/h2\u003e\n\u003cp\u003eIf you purchase a replacement vehicle after a total loss, check whether local tax relief is available. Statutory requirements may apply to the acquisition of a replacement for a vehicle rendered unusable by a disaster. The tax department of the competent local government determines eligibility.\u003c/p\u003e\n\u003cp\u003eA total-loss confirmation from the insurer may be required. A vehicle scrapping acceptance certificate and proof of damage may also be requested. Before signing a contract for a new vehicle, check the required documents and applicable deadline.\u003c/p\u003e\n\u003cp\u003eYou must also agree on the handling of the salvage before receiving the total-loss insurance payment. There may be terms under which rights to the salvage are transferred to the insurer. Avoid selling or dismantling it at your own discretion.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#common-mistakes\" class=\"anchor\" id=\"common-mistakes\"\u003e\u003c/a\u003eCommon Mistakes\u003c/h2\u003e\n\u003cp\u003eThe biggest mistake is starting the vehicle immediately after the water recedes. This may lead to a dispute over whether the damage was worsened. Document the vehicle’s condition before it is towed.\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eChecking only that own vehicle damage coverage was purchased without reviewing the relevant riders\u003c/li\u003e\n\u003cli\u003eFailing to record the flooding location and time\u003c/li\u003e\n\u003cli\u003eProceeding with repairs or scrapping before the insurer’s confirmation\u003c/li\u003e\n\u003cli\u003eAssuming the full vehicle purchase price will be compensated\u003c/li\u003e\n\u003cli\u003eAssuming personal belongings inside the vehicle are covered by own vehicle damage coverage\u003c/li\u003e\n\u003cli\u003eDelaying the claim solely because of the limitation period\u003c/li\u003e\n\u003cli\u003eRelying only on verbal guidance without keeping a record of the handling terms\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eThe limitation period for insurance claims under the Commercial Act must be checked in the latest provisions of the Commercial Act. The precise starting point may be disputed depending on the accident and the circumstances in which the claim arose. Immediately after the accident, leave a written record of your intent to file a claim or obtain a claim reference number.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#creating-a-flood-accident-timeline\" class=\"anchor\" id=\"creating-a-flood-accident-timeline\"\u003e\u003c/a\u003eCreating a Flood Accident Timeline\u003c/h2\u003e\n\u003cp\u003eCreating a one-page timeline makes the loss investigation easier. Arrange your actions and evidence before and after the flooding in chronological order. You can also compare the times shown in different documents.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eRecord the times of weather advisories and road restrictions.\u003c/li\u003e\n\u003cli\u003eRecord when the vehicle was parked or driven.\u003c/li\u003e\n\u003cli\u003eRecord when the flooding was discovered.\u003c/li\u003e\n\u003cli\u003eLink the capture times of photos and videos.\u003c/li\u003e\n\u003cli\u003eAdd the times of the insurance claim report and towing.\u003c/li\u003e\n\u003cli\u003eAttach the repair shop admission time and diagnostic results.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eThis record is useful for explaining whether you entered a restricted area. It can also show circumstances indicating that the damage was not worsened. Do not edit the original files; store them separately.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#flood-damaged-vehicle-insurance-coverage-faq\" class=\"anchor\" id=\"flood-damaged-vehicle-insurance-coverage-faq\"\u003e\u003c/a\u003eFlood-Damaged Vehicle Insurance Coverage FAQ\u003c/h2\u003e\n\u003ch3\u003e\n\u003ca href=\"#is-flooding-while-parked-covered\" class=\"anchor\" id=\"is-flooding-while-parked-covered\"\u003e\u003c/a\u003eIs Flooding While Parked Covered?\u003c/h3\u003e\n\u003cp\u003eIf a vehicle properly parked in an appropriate location was flooded by a typhoon or flood, it is eligible for coverage review. Own vehicle damage coverage and relevant riders must have been valid on the accident date. There must also be no intentional act or significant cause of increased damage.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#is-coverage-denied-if-the-vehicle-is-submerged-while-driving\" class=\"anchor\" id=\"is-coverage-denied-if-the-vehicle-is-submerged-while-driving\"\u003e\u003c/a\u003eIs Coverage Denied If the Vehicle Is Submerged While Driving?\u003c/h3\u003e\n\u003cp\u003eCoverage is not always denied merely because the vehicle was flooded while being driven. The insurer will investigate whether the flooding was sudden or whether restrictions were disregarded. Submit the circumstances of driving and the road conditions at the time.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#is-a-laptop-left-inside-the-vehicle-also-covered\" class=\"anchor\" id=\"is-a-laptop-left-inside-the-vehicle-also-covered\"\u003e\u003c/a\u003eIs a Laptop Left Inside the Vehicle Also Covered?\u003c/h3\u003e\n\u003cp\u003eOwn vehicle damage coverage covers damage to the vehicle itself. Personal belongings such as laptops and bags are generally not covered. Check separate property insurance or personal belongings coverage.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#can-i-move-the-vehicle-to-a-repair-shop-before-the-insurer-inspects-it\" class=\"anchor\" id=\"can-i-move-the-vehicle-to-a-repair-shop-before-the-insurer-inspects-it\"\u003e\u003c/a\u003eCan I Move the Vehicle to a Repair Shop Before the Insurer Inspects It?\u003c/h3\u003e\n\u003cp\u003eTowing the vehicle to a safe location may be necessary. However, disassembly or repairs should be performed only after the insurer’s inspection. Keep the towing confirmation and photos taken when the vehicle arrived at the repair shop.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#what-happens-if-repair-costs-exceed-the-vehicle-value\" class=\"anchor\" id=\"what-happens-if-repair-costs-exceed-the-vehicle-value\"\u003e\u003c/a\u003eWhat Happens If Repair Costs Exceed the Vehicle Value?\u003c/h3\u003e\n\u003cp\u003eThe vehicle may be deemed an economic total loss. The insurer compares the approved repair costs with the vehicle value. Obtain written confirmation of the total-loss determination and salvage handling terms.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#will-my-premium-increase-if-i-receive-a-flood-insurance-payment\" class=\"anchor\" id=\"will-my-premium-increase-if-i-receive-a-flood-insurance-payment\"\u003e\u003c/a\u003eWill My Premium Increase If I Receive a Flood Insurance Payment?\u003c/h3\u003e\n\u003cp\u003eFlooding caused by a natural disaster without negligence is generally not subject to a negligence-based premium surcharge. The assessment may differ if negligence, such as violating restrictions, is confirmed. Before renewal, ask the insurer which accident code will apply.\u003c/p\u003e\n","tags":["Auto insurance","Own vehicle damage","Insurance claim","Typhoon","Torrential rain"],"faqs":[{"question":"If I only have own vehicle damage coverage, will all flood damage be covered?","answer":"Some policies require coverage for single-vehicle accidents in addition to own vehicle damage coverage. You must check both the endorsements on the insurance policy and whether they were in effect on the date of the accident."},{"question":"Can a vehicle flooded by a typhoon while parked be covered by insurance?","answer":"If the vehicle was flooded by a typhoon or flood while properly parked, it may be eligible for coverage. The primary criterion is whether you have own vehicle damage coverage and the relevant endorsements."},{"question":"Is damage covered if rainwater enters through a window left open?","answer":"Coverage may be limited if rainwater entered through an open window or sunroof. The insurer will investigate whether the vehicle was flooded from the outside or whether rainwater simply entered the vehicle."},{"question":"Is the insurance payout for a flooded vehicle calculated based on its purchase price?","answer":"The coverage limit is the vehicle value stated in the insurance policy, not the purchase price. A partial loss is calculated based on the approved repair costs and the deductible specified in the policy."},{"question":"When is a flooded vehicle declared a total loss?","answer":"A total loss may be considered if repairs are impossible or the approved repair costs are excessively high relative to the vehicle value. The final determination is subject to the insurer's loss assessment and the policy terms."},{"question":"What is the deadline for filing an insurance claim for flood damage?","answer":"The statute of limitations for insurance claims under the Commercial Act should be verified in the latest provisions of the Act. To avoid disputes over when the limitation period begins and to preserve evidence from the scene, it is safer to report the accident immediately."},{"question":"Will my auto insurance premium increase if I receive an insurance payout for flood damage?","answer":"Flood damage caused by a natural disaster without driver fault is generally not subject to a fault-based premium surcharge. The determination may differ if it is found that the driver entered a restricted area or aggravated the damage."},{"question":"Can I scrap a flooded vehicle before it is confirmed as a total loss?","answer":"It is safer not to scrap the vehicle at your own discretion before the insurer inspects it and determines that it is a total loss. You should first reach an agreement with the insurer regarding rights to the salvage and the scrapping procedure."}],"sources":[{"url":"https://www.law.go.kr/법령/상법","title":"National Law Information Center Commercial Act","type":"source"},{"url":"https://www.law.go.kr/법령/지방세특례제한법","title":"National Law Information Center Restriction of Special Local Taxation Act","type":"source"},{"url":"https://www.fss.or.kr/fss/main/main.do","title":"Financial Supervisory Service","type":"source"},{"url":"https://www.a-ha.io/questions/494d0af446f6abb5a5d1de667476f1c2","title":"Aha Car Flood Insurance Q\u0026A","type":"source"},{"url":"https://www.a-ha.io/questions/41a20a1a767fa2ac9210085a7ef4abc4","title":"Aha Flood-Damaged Vehicle Compensation Q\u0026A","type":"source"},{"url":"https://a-ha.io/questions/450dbac226a38c49ae1531929c20de66","title":"Aha Own Vehicle Damage Q\u0026A","type":"source"},{"url":"https://www.a-ha.io/questions/42d3bbf9f5583979af0f668c41aad984","title":"Aha Car Insurance Flood Damage Claims Q\u0026A","type":"source"}],"images":[{"id":1079,"url":"https://onbinder.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6MTUxODEsInB1ciI6ImJsb2JfaWQifX0=--f5f51f4c64c36ee5eaa6cab4626d62ea22e7023c/ai-3b2ab2ac.webp","is_representative":true,"generation_method":"ai_photo","license":"ai_generated","mime_type":"image/webp","translations":{"ko":{"alt":"침수된 도로에서 진흙 묻은 차량을 휴대전화로 촬영하는 남성과 뒤편의 견인차","caption":"차주가 보험 청구를 위해 침수 피해 차량의 상태를 촬영하고 있다.","description":null},"en":{"alt":"Man photographing a mud-covered car on a flooded street with a tow truck behind","caption":"A man documents flood damage to a car for a possible insurance claim.","description":null},"ja":{"alt":"冠水した道路で泥まみれの車をスマートフォンで撮影する男性と後方のレッカー車","caption":"男性が保険請求に備えて浸水した車の被害状況を記録している。","description":null},"es":{"alt":"Hombre fotografiando un coche cubierto de barro en una calle inundada, con una grúa detrás","caption":"Un hombre documenta los daños por inundación del coche para una posible reclamación al seguro.","description":null},"id":{"alt":"Pria memotret mobil berlumpur di jalan tergenang dengan truk derek di belakang","caption":"Seorang pria mendokumentasikan kerusakan mobil akibat banjir untuk klaim asuransi.","description":null},"pt":{"alt":"Homem fotografando carro coberto de lama em rua alagada, com guincho ao fundo","caption":"Um homem registra os danos causados pela enchente para uma possível solicitação ao seguro.","description":null},"zh-hant":{"alt":"男子在淹水道路旁用手機拍攝沾滿泥濘的汽車，後方有拖吊車","caption":"男子拍下泡水車的受損情況，以便申請保險理賠。","description":null},"de":{"alt":"Mann fotografiert ein schlammiges Auto auf überfluteter Straße, dahinter ein Abschleppwagen","caption":"Ein Mann dokumentiert den Hochwasserschaden am Auto für eine mögliche Versicherungsmeldung.","description":null}}},{"id":1080,"url":"https://onbinder.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6MTUxODcsInB1ciI6ImJsb2JfaWQifX0=--5b850b5781ffb73aece7538d2d821d5669181d9c/ai-54a5a3da.webp","is_representative":false,"generation_method":"ai_image","license":"ai_generated","mime_type":"image/webp","translations":{"ko":{"alt":"침수된 차량의 보험 접수부터 견인, 점검, 수리 또는 보상까지의 절차를 나타낸 인포그래픽","caption":"침수차 보험 청구와 전손 보상 과정을 단계별로 보여준다.","description":null},"en":{"alt":"Infographic showing a flooded car insurance claim, towing, inspection, repair, and payout","caption":"The steps for filing a flooded-car claim and receiving repair service or a total-loss payout are shown.","description":null},"ja":{"alt":"冠水車の保険申請からレッカー移動、点検、修理または補償までを示す図解","caption":"冠水車の保険請求と全損補償の流れを段階ごとに示している。","description":null},"es":{"alt":"Infografía del reclamo por auto inundado, remolque, inspección, reparación o indemnización","caption":"Se muestran los pasos para reclamar el seguro y obtener una reparación o indemnización por pérdida total.","description":null},"id":{"alt":"Infografik klaim mobil terendam, derek, pemeriksaan, perbaikan, atau ganti rugi","caption":"Tahapan klaim asuransi mobil terendam hingga perbaikan atau ganti rugi total ditampilkan.","description":null},"pt":{"alt":"Infográfico de sinistro por carro alagado, reboque, vistoria, reparo ou indenização","caption":"As etapas do pedido ao seguro até o reparo ou a indenização por perda total são apresentadas.","description":null},"zh-hant":{"alt":"泡水車從保險申請、拖吊、檢查到維修或理賠的流程圖","caption":"圖中逐步呈現泡水車保險申請與全損理賠流程。","description":null},"de":{"alt":"Infografik zu Versicherungsmeldung, Abschleppen, Prüfung, Reparatur oder Entschädigung eines Flutautos","caption":"Dargestellt sind die Schritte vom Schadenantrag bis zur Reparatur oder Totalschadenentschädigung.","description":null}}}],"published_at":"2026-09-05T21:33:08+09:00","updated_at":"2026-09-05T21:33:08+09:00","license":"cc_by","translation_status":"reviewed","available_locales":["ko","en","ja","es"],"data_locales":["ko","en","ja","es","id","pt","zh-hant","de"],"url":"https://onbinder.com/en/articles/flood-damaged-car-insurance-claim-guide"}