Overview
- Flooding that struck cities on Tuesday, June 23 left numerous vehicles submerged and prompted CONDUSEF and news outlets to publish step‑by‑step advice for motorists.
- Drivers are told to prioritize personal safety, keep the vehicle off, document damage with photos and video, and report the loss immediately so an insurer can send an adjuster and order a tow to an authorized workshop.
- Insurance coverage varies: broad policies and many limited plans normally cover water damage from storms, while basic liability-only policies do not provide protection for flood damage.
- Insurers can deny claims if a driver deliberately drove into high water or tried to start an already flooded engine; mechanics warn that starting a water-filled combustion engine causes 'hidrolock' and that electric vehicles face risk of irreversible short circuits.
- Experts say more intense rains this season, low insurance take-up and patchy urban drainage mean drivers should check their contracts now and consider broader cover to avoid large out-of-pocket losses.