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Does Car Insurance Cover Flood Damage to Vehicles?

1 Answers

BradleyRose

07/30/25 2:16am

Comprehensive vehicle damage insurance is required to receive full compensation. For engine damage caused by driving through floodwaters, if the vehicle is insured with a water-related damage rider, the engine repairs fall within the coverage scope. Without this specific rider, insurers only cover cleaning costs for water ingress, excluding engine repair expenses. Below are extended details about auto insurance coverage: 1. Comprehensive vehicle damage insurance serves as the primary coverage, with water-related damage as a supplementary rider: Officially termed "Engine Damage Due to Water Ingress Coverage," this rider compensates for engine damage resulting from improper operation when driving through flooded roads or submersion, provided the vehicle carries comprehensive coverage as prerequisite. 2. Article 4 of China's "Household Vehicle Damage Insurance Clauses" stipulates: During the insurance period, the insurer shall compensate for vehicle damage caused by the following circumstances when operated by the policyholder or authorized drivers: (1) Collision, overturning, or falling. (2) Fire, explosion, or spontaneous combustion. (3) Falling or collapsing external objects.

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