Does Car Insurance Cover Water Damage from Heavy Rain?

[StNicole]

If a private car is submerged or soaked due to heavy rain and the owner has purchased water damage insurance (also known as engine-specific water damage coverage), the resulting losses will be compensated. However, if this insurance is not purchased, the insurance company will not be liable for the damages. The following situations are not covered by the insurance: 1. Secondary ignition: Damage to the engine caused by restarting the vehicle after it has been submerged will not be compensated. 2. Outside the scope of insurance liability: Damage or repairs to the insured vehicle caused by accidents outside the coverage of the motor vehicle loss insurance. 3. Substandard repair quality: Repairs conducted at a repair shop not approved by the insurer, leading to substandard repair quality that requires rework. 4. Delayed vehicle repair: Delays in sending the vehicle for repairs by the insured or the driver. 5. Garage flooding: Losses caused by water entering the garage fall under the comprehensive car insurance (not the water damage insurance) and are not covered by the water damage insurance.