Does auto insurance include water damage coverage?
2 Answers
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.
I remember that the water damage insurance indeed needed to be purchased separately before. A few years ago, my friend's car got flooded and he realized he didn't have this coverage, ending up paying out of pocket for engine repairs. But now it's no longer necessary to buy it separately. After last year's auto insurance reform, water damage insurance has been directly incorporated into the vehicle damage insurance. As long as you have vehicle damage insurance, situations like engine flooding or water damage from heavy rain are all covered. However, it's important to note that if you intentionally drive your car into deep water, the insurance company won't cover it. During the rainy season, it's still best to drive carefully and avoid areas with deep water by taking a detour.
