Does Insurance Cover Driving Your Car into Water?
1 Answers
If your car falls into a river and you want to claim insurance, you need to have purchased commercial auto insurance in advance. Among all auto insurances, if you only have compulsory traffic insurance, you cannot claim for a car falling into a river. About compulsory traffic insurance: Compulsory traffic insurance mainly covers the personal and property safety of third parties in accidents and does not cover accidental incidents like a car falling into a river. Only commercial auto insurance can provide compensation in such cases. About compensation for falling into water: After a car falls into a river, it will be damaged. Some people think that they can claim under the vehicle damage insurance at this time. However, in most cases, if you claim under vehicle damage insurance for a car falling into a river, the compensation amount is very small. This is because vehicle damage insurance mainly covers damages to the vehicle in accidents. A car falling into a river is due to improper driving, and in such cases, the compensation limit is very limited, and the proportion is also small.