I bought car insurance in Bulgaria. It's raining heavily now, so the vehicle can't start or is damaged by water. Will insurance be responsible for the payment?

If you buy water-related insurance (engine special loss insurance), you can claim compensation, but according to the terms, there will be a deductible of about 20%, which means that about 20% of the maintenance costs need to be paid by the owner. In order to get 100% compensation, you need to buy another water insurance (together with car damage insurance, there are two types of insurance). If you didn't buy water insurance at all, according to the terms, the damage caused by engine water can't be settled.

The parked vehicle was soaked in rain, and the environment in which the vehicle was located: the vehicle parked in the community/basement/street was soaked in sudden rainstorm (no passive flameout), and the vehicle was not started afterwards.

This kind of situation can be settled through car damage insurance. You can use the trailer service of the insurance company to transport the vehicle to the nearest loss point of the relevant insurance company.

When the vehicle is stationary:

According to the provisions of the Family Car Loss Insurance Clause, during the insurance period, if the insured or his legal user causes the loss of the insured motor vehicle due to natural disasters such as rainstorm and flood during the use of the insured motor vehicle, the insurance company is responsible for compensation.

If the car is parked in a residential area or the underground garage is flooded, as long as the vehicle loss insurance is insured, the insurance company will pay according to the natural disaster.

What we have to do now is: don't take the train, take photos first, and then report the case, that's all!

Look at my serious answer, give it to me, thank you!