Does Comprehensive Car Insurance Cover Flood Damage?
1 Answers
Comprehensive car insurance does not cover flood damage. Here are the details: The coverage of comprehensive car insurance. Comprehensive car insurance includes compulsory traffic insurance, vehicle damage insurance, third-party liability insurance, no-deductible coverage, and passenger insurance, but it does not include water ingress insurance. Purchasing water ingress insurance. Water ingress insurance is not a standalone policy and cannot be purchased independently. It is an add-on to the basic insurance coverage. Water ingress insurance is purchased as an additional coverage to the vehicle damage insurance. Car owners must first purchase the main vehicle damage insurance before adding water ingress insurance. Since water ingress insurance provides additional protection for car owners, engine damage caused by water submersion will also be covered. However, if the car owner forcibly starts the engine after the vehicle is submerged, causing damage, the insurance company will not compensate for the loss. Additionally, it is important to note that after purchasing water ingress insurance, if the vehicle is submerged, the car owner should proactively turn off the engine to avoid damage to engine components such as valves due to water intake while driving.
