Does Car Water Damage Insurance Need to Be Purchased Separately?

[MacDaniella]

Car water damage insurance is an additional coverage, which cannot be purchased independently. It must be added to basic insurance policies (such as third-party liability insurance, vehicle loss insurance, and compulsory traffic liability insurance). More relevant information is as follows: 1. Vehicle water damage insurance: If the owner purchases water damage insurance (an additional coverage) for the engine, the insurance company will provide compensation if the insured vehicle's engine is damaged due to driving through waterlogged roads or being submerged. Additional coverages include comprehensive theft insurance, standalone glass breakage insurance, vehicle stoppage loss insurance, spontaneous combustion loss insurance, vehicle water damage insurance, etc. 2. Exclusions: If the owner forcibly starts the engine after being submerged, causing damage, the insurance company will not provide compensation. 3. Basic insurance: It is further divided into third-party liability insurance, vehicle loss insurance, and compulsory traffic liability insurance. 4. Additional coverages: These include theft insurance, glass insurance, spontaneous combustion insurance, water damage insurance, etc.