Does Full Coverage Auto Insurance Include Water Damage Insurance?

[RachelDella]

Full coverage auto insurance does not include water damage insurance. Full coverage typically refers to compulsory traffic insurance, vehicle damage insurance, third-party liability insurance, no-deductible coverage, passenger insurance, glass insurance, theft insurance, and other types of coverage. Water damage insurance is not an independent insurance product and cannot be purchased separately; it is an additional insurance product attached to basic coverage. Car owners must first purchase the main vehicle damage insurance before adding water damage insurance. Below is additional information: 1. Water Damage Insurance: Water damage insurance is a newly derived type of auto insurance, primarily referring to an additional coverage purchased by the car owner for the engine. It mainly provides compensation for engine damage caused by driving through waterlogged roads or submersion. 2. Non-claimable Situations: Engine damage caused by a second start; damage or repairs to the insured vehicle due to incidents outside the scope of the auto damage insurance liability; repairs required due to substandard repair quality at non-insurer-approved repair shops; delays in vehicle repairs by the insured or driver.