Auto Insurance Claims and Compensation Review Process for Flood-Damaged Vehicles
type: HowTo
language: en
main entity of page: https://injoys.com/en/articles/flooded-car-insurance-claim-guide-korea
date published: 2026-08-21T14:21:41+09:00
date modified: 2026-08-21T14:21:41+09:00
description: 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.
author: Injoys Editorial Team
publisher: Injoys
  type: Organization
keywords: Auto insurance
keywords: Own vehicle damage
keywords: Insurance claim
keywords: Typhoon
keywords: Torrential rain
keywords: Disaster Preparedness
is accessible for free: true
is part of: Injoys
word count: 2832
reviewed by: 신익희
  type: Person
  job title: 편집장
image: ImageObject
  caption: Man on the phone showing a smartphone beside a flooded sedan in heavy rain
image: ImageObject
  caption: Five-step flooded car insurance claim graphic with documentation, mobile filing, towing, and assessment
about: How-to
mentions: Auto insurance
mentions: Own vehicle damage
mentions: Insurance claim
mentions: Typhoon
mentions: Torrential rain
mentions: Disaster Preparedness
spatial coverage: South Korea
citation: General Insurance Association of Korea
citation: Financial Supervisory Service Financial Consumer Information Portal FINE
citation: National Law Information Center Commercial Act
citation: National Law Information Center Civil Act
citation: Korea Insurance Development Institute Car History
step: HowToStep
  position: 1
  text: Evacuate to a safe place first, and do not start or operate the electrical systems of the flooded vehicle.
step: HowToStep
  position: 2
  text: Photograph the vehicle’s location, floodwater level, warning signs, and surrounding conditions, and preserve dashcam footage and alert messages.
step: HowToStep
  position: 3
  text: Check your insurance policy to confirm whether you have own-damage coverage and any riders related to single-vehicle accidents.
step: HowToStep
  position: 4
  text: Report the accident through your insurer’s official app or claims service center, and obtain a claim number and towing instructions.
step: HowToStep
  position: 5
  text: 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.

Injoys Editorial Team
type: Person