Does auto insurance include water damage coverage?

1 Answers
Sarah
07/30/25 10:52am
Auto insurance does include water damage coverage. If the insured wishes to purchase water damage coverage, they must first purchase a primary auto insurance policy, as water damage coverage is a type of additional coverage and cannot be purchased separately. Even if the insured purchases comprehensive auto insurance, it generally does not include water damage coverage, but this depends on the specific comprehensive insurance plan offered by the insurance company. Below is an expanded introduction: Introduction to motor vehicle insurance: Motor vehicle insurance generally includes compulsory traffic insurance and commercial insurance. Commercial insurance consists of basic coverage and additional coverage. Basic coverage is divided into vehicle loss insurance and third-party liability insurance. Commercial insurance is not mandatory, and car owners can choose according to their actual needs.
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