Does Comprehensive Car Insurance Cover Water Damage?
1 Answers
Comprehensive car insurance does not include water damage coverage. Water damage insurance is a newly derived type of auto insurance, which mainly refers to an additional coverage purchased by the car owner for the engine. Comprehensive car insurance includes compulsory traffic insurance, vehicle damage insurance, third-party liability insurance, no-deductible coverage, and passenger liability insurance. However, it does not include water damage coverage. Water damage insurance is not a standalone policy and cannot be purchased independently; it is an add-on to basic insurance. Water damage coverage is purchased as an add-on to vehicle damage insurance, meaning the car owner must first purchase the main vehicle damage insurance before adding water damage coverage. Since water damage insurance provides additional protection to the car owner, damage to the engine caused by water submersion will also be covered. However, if the car owner forcibly starts the engine after the vehicle has been submerged, resulting in damage, the insurance company will not compensate for the loss. Important Notes: After purchasing water damage insurance, if the vehicle is submerged, the car owner is advised to proactively turn off the engine in the water to avoid damage to engine components such as valves due to water intake while driving. While ensuring personal safety, immediately call the insurance company to report the incident and have them assess the damage on-site or arrange for a tow truck to transport the vehicle to the insurance company's assessment point. If the damage falls within the coverage limits of the water damage insurance, the car owner will receive corresponding compensation.
