Does Full Coverage Auto Insurance Include Flood Damage?

1 Answers
VanOlivia
07/29/25 12:41pm
Auto full coverage insurance does not include flood damage coverage. Vehicle flood damage coverage refers to an additional rider that the owner purchases specifically for the engine (classified as an add-on coverage). If the insured vehicle is driven through standing water or suffers engine damage due to flooding, compensation may be provided. Below is additional information: Auto Full Coverage: Generally, what is commonly recognized as full coverage auto insurance includes: compulsory traffic insurance + vehicle damage insurance + third-party liability insurance + no-deductible coverage + passenger insurance, etc. Depending on circumstances, additional riders such as theft insurance, glass breakage insurance, body scratch insurance, and spontaneous combustion insurance can also be added. Different companies implement varying absolute deductible rates for each claim. If you do not plan to purchase "no-deductible coverage," it is advisable to consider this carefully. Additionally, the deductible thresholds differ among insurance companies, with some possibly not covering small claims.
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