Can Vehicle Damage Insurance Cover Water Damage?
2 Answers
If you have purchased vehicle damage insurance, then water damage to the vehicle can be claimed. After the reform, as long as the owner has purchased vehicle damage insurance, the vehicle can receive insurance compensation for water-related incidents. This is because the new regulations stipulate that vehicle damage insurance includes coverage for theft of the entire vehicle, separate glass breakage, spontaneous combustion, engine water damage, no deductible, and special agreements for third-party non-findings. Below is a relevant introduction to vehicle damage insurance: Definition: Motor Vehicle Damage Insurance is one of the basic types of motor vehicle insurance, referred to as vehicle damage insurance. The subject of insurance is the motor vehicle itself. When the insured vehicle suffers damage due to natural disasters or accidents within the scope of insurance liability, the insurer will provide compensation according to the terms of the insurance contract. Coverage: Collision, overturning. Fire, explosion, collapse of external objects, falling objects from the air, parallel falling of the insured vehicle while in motion. Lightning strikes, storms, tornadoes, heavy rain, floods, tsunamis, ground collapse, ice collapse, cliff collapse, avalanches, hail, mudslides, landslides. Natural disasters affecting the ferry carrying the insured vehicle.
As a driver with years of experience, I encountered a similar situation: during a flood, my car was parked in a low-lying area and got submerged. I panicked but handled it calmly—first by taking photos and videos as evidence, then calling my insurance company. After checking the terms of my car damage insurance, which mostly covers flood damage caused by natural disasters, I successfully claimed the repair costs. However, not all incidents are covered; for example, intentionally driving into deep water or not purchasing additional coverage might lead to claim rejection. I advise everyone to avoid parking in low-lying areas during the rainy season and to confirm that your auto insurance includes water-related liabilities. After the incident, I also spent some money on thorough cleaning to prevent rust issues, with most costs covered by insurance. The key takeaway is to act quickly, file claims honestly, and prioritize prevention in daily life.
