Auto Insurance Claims and Compensation Review Process for Flood-Damaged Vehicles
For a car flooded by a typhoon or heavy rain: do not start it, preserve evidence, file a claim, and assess total loss, repairs, premiums, and manager liability.
Man on the phone showing a smartphone beside a flooded sedan in heavy rain
Five-step flooded car insurance claim graphic with documentation, mobile filing, towing, and assessment
Financial Supervisory Service Financial Consumer Information Portal FINE
National Law Information Center Commercial Act
National Law Information Center Civil Act
Korea Insurance Development Institute Car History
Evacuate to a safe place first, and do not start or operate the electrical systems of the flooded vehicle.
Photograph the vehicle’s location, floodwater level, warning signs, and surrounding conditions, and preserve dashcam footage and alert messages.
Check your insurance policy to confirm whether you have own-damage coverage and any riders related to single-vehicle accidents.
Report the accident through your insurer’s official app or claims service center, and obtain a claim number and towing instructions.
After reviewing the repair estimate, vehicle value, deductible, and whether the vehicle is a total loss, separately assess the impact on premiums and any third-party liability.