Can vehicle damage insurance cover water damage?

1 Answers
Kayden
07/29/25 8:57pm
Vehicle damage insurance can cover water damage. Non-covered situations during annual inspection: Driving under the influence, driving without a license, or driving without an annual inspection are not covered. The driver does not qualify to drive on the road and seriously violates traffic regulations. Additionally, if the driver's license does not match the vehicle type or if driving on highways during the probationary period, the insurance company will also refuse to compensate. Damage caused after water ingress is not covered: Insurance companies consider that if a vehicle is driven into deep water and the engine stalls, and the driver forcibly attempts to restart it causing damage, this constitutes improper operation and is not covered under the insurance policy. According to the vehicle damage insurance clause, compensation applies to situations such as vehicle submersion due to garage flooding, damage from extreme weather like hailstorms, or damage caused by falling trees or rocks due to heavy rain.
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