Can the vehicle damage insurance cover water damage to a car?

1 Answers
JudahRose
07/30/25 9:18am
If a car is submerged in water, it can be compensated, but the vehicle damage insurance must have been purchased after September 19, 2020. The following are the reasons: 1. Including water damage coverage: Because it includes water submersion coverage. For commercial auto insurance purchased before September 19, 2020, it must include both vehicle damage insurance and water submersion coverage to be eligible for compensation. For example, a car worth 100,000 yuan with both water submersion and vehicle damage insurance, and if the engine is damaged, can receive full compensation. 2. Claim based on the vehicle's age: If it is a very old car that has lost its repair value, it will be treated as a total loss. If the repair cost exceeds 50% of the vehicle's value, the insurance company will consult with used car dealers to sell it.
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