Does Insurance Cover Water Damage to Cars?
2 Answers
Insurance companies provide compensation for water damage to vehicles. Below is relevant information about vehicle water damage insurance: 1. Important Notes: If engine damage is caused by human error, even with water damage insurance purchased, the insurance company will not provide compensation. Human error refers to engine damage caused by the owner attempting to restart the vehicle after it stalls in water. 2. Coverage Includes: Rescue fees, cleaning costs, electrical system damage, and interior component damage. Comprehensive auto insurance only covers rescue fees, cleaning costs, electrical system damage, and interior component damage resulting from water exposure, while water damage insurance specifically covers engine damage. All insurance companies' water damage policies have a 15%-20% absolute deductible rate. This means that even with comprehensive auto insurance, water damage insurance, and additional no-deductible coverage for comprehensive insurance, the maximum compensation for engine damage is limited to 80%-85%.
I've been driving large vehicles for many years and know that insurance claims after water wading can be quite complicated. Simply put, if you have purchased vehicle damage insurance, most situations are covered, including engine flooding repair costs. However, it depends on the specific policy—adding a water wading rider provides extra protection, specifically covering this type of water damage. But if you only rely on compulsory traffic insurance, it generally won't cover such claims, as it only handles third-party liability. When filing a claim, take photos as evidence immediately, report to the insurance company by phone, and avoid restarting the engine to prevent further damage. Before the rainy season, it's best to review your insurance coverage—don't skimp on a few hundred yuan in premiums only to pay tens of thousands for repairs later. That's not cost-effective.
