Does Insurance Cover Water Damage to the Transmission?

1 Answers
VonLuke
07/30/25 3:33am
Insurance will cover water damage to the transmission, provided that the policy includes water ingress coverage, which typically covers both the transmission and engine. Below is relevant information about water ingress insurance: 1. Coverage Type: Water ingress insurance is an add-on to the main auto insurance policy. Additional coverages are a significant part of auto insurance. These include theft coverage, spontaneous combustion loss coverage, water ingress driving loss coverage, newly added equipment loss coverage, no-deductible special coverage, driver accident injury coverage, and designated repair shop coverage, among others. Policyholders can choose these add-ons based on their needs. 2. Important Notes: If a vehicle stalls due to water ingress while driving, there's a 50% chance of engine damage. However, if the engine is restarted after stalling, damage is certain. Insurance will not cover engine damage caused by forced restarting.
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