Does Insurance Cover Water-Damaged Vehicles?

1 Answers
MiguelLee
07/29/25 5:47pm
If the engine water ingress insurance rider is not purchased, the insurance will not cover the repair costs for engine damage caused by water ingress. If the engine has already been flooded and is restarted, the insurance will not cover the damages regardless of whether the engine water ingress rider was purchased. Below are specific details on what is not covered: If only compulsory traffic insurance is purchased without commercial insurance, the insurance will not cover the repair costs for the vehicle. Before the auto insurance reform, if the non-deductible rider and engine water ingress insurance were not purchased, the payout amount would be reduced, and engine repairs would not be covered. If the vehicle is swept away by a flood, the insurance will temporarily not cover the loss until the missing vehicle is found. If the accident is not reported to the police and the insurance company in a timely manner, resulting in undetermined losses, the insurance will not cover the damages. Other scenarios: During vehicle repairs, for easily worn components such as upholstery and electronic parts, the settlement amount must be negotiated with the claims adjuster, and full compensation is usually not provided. For trucks without the cargo loss rider, goods damaged by floods will not be covered. If the rider is purchased, the cargo list and price-related documents must be provided to assist in loss assessment. For injuries and hospitalization caused by floods while driving, out-of-pocket medical expenses during hospitalization will only be covered if the passenger seat insurance rider is purchased. Many insurance companies offer green channels where out-of-pocket medical expenses and self-paid items during hospitalization can be covered. Otherwise, only the additional medical expenses outside of medical insurance liability rider can provide coverage.
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