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Can insurance cover damages if the car doesn't have water damage coverage?

1 Answers

LincolnRose

07/30/25 9:24am

Insurance can cover damages even if the car doesn't have specific water damage coverage. Here are the relevant details about compensation without water damage insurance: 1. Insurance claims: When a car is submerged in water while parked on the roadside or in a basement, as long as the vehicle wasn't started in the water, insurance claims can be made. This includes subsequent costs such as vehicle cleaning fees, inspection fees, and repair costs for vehicle damage. 2. Heavy rain category: If a car is driving on the road and stops after entering a waterlogged section, commercial insurance policies clearly state that vehicle damage caused by heavy rain can be compensated according to the insurance contract. The criteria for heavy rain is continuous rainfall exceeding 50mm within 24 hours. Even vehicles without water damage coverage can claim compensation through their comprehensive car insurance in such cases.

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