Does Insurance Cover a Car Driven into Water?

1 Answers
Long
07/29/25 11:31am
If a car is driven into water, purchasing commercial auto insurance in advance can qualify for insurance compensation. Among all types of auto insurance, if only compulsory traffic insurance is purchased, it does not cover reporting insurance for a car submerged in a river. Compulsory traffic insurance primarily safeguards third-party personal and property safety in accidents and does not cover incidents like a car driven into water. In such cases, only commercial auto insurance can provide claims. Additional information: Commercial auto insurance is categorized as follows: 1. Vehicle Damage Insurance: This insurance mainly covers compensation as stipulated in the contract after accidental collisions. Even with careful driving, vehicle damage may still occur. 2. Third-Party Liability Insurance: This insurance applies when an accident during vehicle use causes bodily injury or property loss to a third party, for which the policyholder is liable. The insurance company compensates for amounts exceeding the compulsory insurance limit according to the contract. 3. Passenger Liability Insurance: This insurance has two aspects—one for the driver, known as driver liability insurance, and the other for passengers, called passenger liability insurance. Both can receive compensation after an accident. 4. Comprehensive Theft Insurance: This insurance covers the insured vehicle in case of total theft, robbery, or hijacking, providing compensation for reasonable costs of loss or repair.
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