Can Vehicle Damage Insurance Cover Water Damage Without Purchasing Water Wading Coverage?

[Amir]

Without purchasing water wading coverage, vehicle damage insurance cannot cover water damage. Water wading is an exclusion clause in the main vehicle damage insurance policy, meaning claims will not be paid for such incidents. To receive compensation, you must purchase additional water wading coverage. Water wading coverage, also known as vehicle loss insurance or engine special loss insurance, is an add-on policy that owners can purchase specifically for engine protection. Additional information: After the auto insurance reform, vehicle damage insurance can cover all expenses, including rescue fees, engine water damage repair costs, electrical component replacement fees, and interior cleaning or replacement costs. However, if an engine damage exclusion rider is added, the repair costs for water-damaged engines will not be covered. The reformed vehicle damage insurance has a capped compensation limit, paying up to the maximum amount, with any excess costs borne by the vehicle owner. That said, even with vehicle damage insurance, full compensation for a flooded car is not guaranteed and depends on the actual circumstances.