Can Engine Water Damage Be Covered Under Vehicle Damage Insurance?

[TheoAnn]

Starting the vehicle in water that submerges the exhaust pipe or intake pipe, or starting the vehicle without necessary treatment after being submerged, resulting in engine damage, the insurer will not be liable for compensation. Below is relevant information about vehicle damage insurance: 1. Basic Concept: Vehicle damage insurance is a type of commercial auto insurance where the insurer compensates within reasonable limits for damage to the insured vehicle caused by an insured accident while the vehicle is being used by the insured or an authorized driver. 2. Premium Discounts: The new terms also establish 12 vehicle insurance rate adjustment levels based on the previous year's claim records, with dynamic adjustments made according to the previous year's claims. The highest level is level 12, where the premium will be adjusted to 200%; the lowest level is level 1, where the premium will be adjusted to 50%.