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Can I claim insurance if my car is flooded without purchasing water submersion coverage?

2 Answers

VonJordan

07/28/25 8:47pm

If your car is flooded without water submersion coverage, the insurance claim scope covers all areas except the engine. Below are specific details about water submersion insurance: 1. Definition: Water submersion insurance, also known as auto damage insurance or engine special loss insurance (terminology varies among insurers but refers to the same coverage), is a newly derived insurance type. It serves as an add-on coverage specifically purchased by vehicle owners for engine protection. 2. Function: It primarily provides compensation when the engine is damaged due to driving through waterlogged roads or being submerged. However, if the engine is forcibly started after submersion causing further damage, the insurance company will not compensate. Additional auto insurance coverages include total theft insurance, standalone glass breakage insurance, vehicle downtime loss insurance, spontaneous combustion insurance, and water submersion insurance.

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SanJake

08/12/25 1:31am

I just went through a similar situation where my car got flooded and I realized I hadn't purchased the water damage insurance. I was so anxious at the time that I filed a claim with my auto insurance, only to be told that the car damage insurance only covers losses to the body and interior, like soaked seats or electrical systems, but engine damage would have to come out of my own pocket since the water damage insurance is an additional coverage specifically for that. Without it, there's basically no reimbursement for that part of the loss. I ended up spending thousands on repairs for nothing, and the repair shop finally reminded me that in disaster-prone areas like this, it's essential to add water damage insurance and to avoid driving through deep water. Now I see clearly that you can't skimp on insurance policies to save a little money, or you'll be the one who suffers. The lesson learned is to consult in detail before buying car insurance next time, otherwise the losses can be huge and truly regrettable.

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