Does BMW's First-Year Comprehensive Insurance Cover Flood Damage?

1 Answers
OGraham
07/29/25 4:27pm
BMW's first-year comprehensive insurance does cover flood damage. Comprehensive coverage scope: The motor vehicle damage insurance included in comprehensive auto insurance covers partial losses to the insured vehicle caused by natural disasters. The motor vehicle damage insurance compensates for losses to the insured vehicle caused by natural disasters such as lightning strikes, storms, heavy rain, floods, tornadoes, hail, typhoons, tropical storms, hail damage, mudslides, landslides, earthquakes, and secondary disasters. Meaning of water damage insurance: Water damage insurance, also known as auto loss insurance or engine special loss insurance (terminology varies among insurance companies but the essence is the same), is a newly derived type of insurance. It refers to an additional coverage purchased by vehicle owners specifically for the engine. The insurance provides compensation when the insured vehicle's engine is damaged due to driving through waterlogged roads or being submerged in water. However, it's important to note that if the vehicle owner forcibly starts the engine after the vehicle has been submerged, causing damage, the insurance company will not provide compensation.
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