Can I Get Compensation for Water Damage Without Purchasing Vehicle Damage Insurance?

[LilyLee]

No compensation will be provided. According to the relevant provisions of China's motor vehicle insurance clauses, if neither vehicle damage insurance nor water-related damage insurance is purchased, losses caused to the vehicle by natural disasters such as heavy rain and floods fall under the coverage of vehicle damage insurance in commercial auto insurance. Expenses incurred from rescue operations, cleaning costs, electrical damages, and interior component losses after the vehicle is submerged are all covered by vehicle damage insurance, and the insurance company should provide compensation. Coverage of vehicle damage insurance: The compensation scope of vehicle damage insurance includes rescue expenses, cleaning costs, as well as electrical or interior component losses. However, engine damage caused by the vehicle being submerged in water or driving through water is excluded from liability. This means that if the engine is flooded due to submersion or secondary startup, the cost of repairing the engine will not be covered under vehicle damage insurance.