1, the car was washed away by the flood, and the insurance can compensate. Under normal circumstances, cars are washed away by floods, which belongs to the loss of cars caused by natural disasters. Car owners can generally report car damage insurance and let insurance companies settle claims. After the owner reports the car damage insurance, if the insured motor vehicle is directly damaged by the flood, which is not within the scope of exemption, the insurance company will generally make compensation within the agreed limit. Beyond the scope of claims, the owner should bear it.

2. Legal basis: Article 21 of the Regulations on Compulsory Liability Insurance for Motor Vehicle Traffic Accidents.

If a road traffic accident occurs in an insured motor vehicle, causing personal injury or property loss to the victim other than the person on board and the insured, the insurance company shall make compensation within the limit of compulsory motor vehicle traffic accident liability insurance according to law.

The loss caused by the road traffic accident is intentionally caused by the victim, and the insurance company will not compensate.

Two, what causes the loss of insurance vehicles, insurance companies can get compensation.

1. When the insured vehicle falls, collides or capsizes, it can get compensation from the insurance company;

2. When the vehicle is lost due to fire, explosion or vehicle spontaneous combustion;

3. When an external object falls on the vehicle and causes the vehicle to collapse, compensation can be obtained;

4. If the vehicle is damaged by a tornado or storm, you can get compensation;

5. In case of tsunami, flood, lightning, hail, rainstorm and other weather, the vehicle is damaged;

6. The insured vehicle is damaged when encountering mudslides, landslides, earthquakes, cliff collapses, avalanches and ground subsidence.

7. If the ferry carrying the insurance vehicle encounters a natural disaster, it can get compensation, but only for those who are cared for by the driver.