Does Compulsory Insurance Cover Water Damage to Vehicles?

[DePiper]

Compulsory insurance does not cover water damage to vehicles. To claim for water damage, the vehicle owner needs to purchase waterlogging insurance. Waterlogging insurance primarily covers engine damage caused by driving through waterlogged roads or being submerged in water. It includes situations such as vehicle collisions, falling objects, collapses, storms, heavy rain, floods, earthquakes, mudslides, landslides, and other incidents that result in vehicle damage. Therefore, whether the vehicle is parked in an underground garage, unable to be moved due to heavy rain on the road, or submerged due to natural disasters like floods or typhoons, except for engine damage caused by restarting the engine, the compensation is covered by vehicle damage insurance. Cases where waterlogging insurance does not provide coverage: Engine damage caused by restarting the engine; damage or repairs to the insured vehicle due to incidents outside the scope of motor vehicle damage insurance; repairs at non-insurer-approved repair shops resulting in substandard repair quality and the need for rework; delays in vehicle repairs by the insured or the driver.