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

[LincolnRose]

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.

[SanErin]

I've been driving for so long, and I always worry about my car getting flooded during the rainy season. If you haven't bought waterlogging insurance, the insurance company usually won't compensate, especially for major issues like engine water damage. Standard car insurance may cover vehicle damage caused by natural disasters, but it depends on your policy terms. Waterlogging insurance is an additional coverage specifically designed for water depth-related failures. I suggest car owners check their insurance details before the rainy season—don't skimp on that small expense, or engine repairs could cost thousands. Also, if your car gets flooded, don't start the engine; immediately contact a tow truck and your insurance company to avoid greater losses. Always avoid driving through waterlogged areas—developing good habits saves trouble in the long run.

[Fitzgerald]

Having handled numerous insurance cases, I can tell you clearly that without waterlogging coverage, insurers generally won't compensate for flood damage. Standard auto insurance covers flood-related damages, but engine water ingress is considered an additional risk. Waterlogging insurance must be purchased separately, which is explicitly stated in the policy details. I recommend car owners consult customer service or brokers when purchasing insurance, and consider adding coverage before the rainy season for peace of mind. In case of an incident, stay calm, avoid starting the engine, promptly take photos of the scene, and report to the insurer. Preventive measures include checking seals and choosing parking locations wisely. Flooding is a common issue, so early preparation helps avoid troublesome situations.

[JuliaMarie]

I was curious about this when I first learned to drive and researched insurance policies. If you haven't purchased water damage coverage, insurance companies generally won't compensate for engine damage caused by flooding, as that's a special type of coverage. Standard insurance might cover minor body damage, but if the engine is submerged in deep water, you'll have to pay out of pocket. I've developed a habit of checking my insurance app before the rainy season to confirm coverage and adding a rider for savings and peace of mind. If your car gets flooded, don't rush to start it—just call a tow truck for inspection and repairs. Safe driving is more important than anything, and sharing this experience with friends can be helpful.