Does New Car Insurance Include Water Damage Coverage?
2 Answers
Comprehensive insurance does not include "water damage coverage". The so-called comprehensive insurance refers to all main insurance types, including third-party liability insurance, vehicle damage insurance, theft insurance, and compulsory traffic insurance. Additional coverage like water damage insurance needs to be purchased separately. The comprehensive car insurance commonly mentioned by car owners does not include water damage coverage. Water damage insurance is referred to differently by various insurance companies, but its essence is the same—it is an additional coverage purchased by the owner for the engine. It provides compensation if the insured vehicle's engine is damaged due to driving through waterlogged roads or being submerged in water. Here is additional information on the scope of water damage insurance claims: 1. If the insured or an authorized driver causes an insurance incident while using the insured vehicle, resulting in damage to the vehicle's engine, and if the insured incurs reasonable and necessary rescue expenses to prevent or reduce losses, the insurance company may provide compensation. 2. The so-called insurance incidents generally include: (1) During heavy rain or flooding, if the insured vehicle is submerged up to the exhaust pipe or intake pipe, and the driver continues to start the vehicle or attempts to start it using inertia. (2) After heavy rain or flooding, starting the vehicle without necessary handling.
I just bought a new car and was excited, but a friend reminded me to be careful about water ingress during the rainy season. I asked my insurance company, and they said the basic insurance for new cars doesn’t automatically include flood coverage, which protects against water damage. Flood insurance must be purchased separately or added as an option to comprehensive insurance, covering risks like floods and waterlogged roads. My city is prone to waterlogging, and after checking repair costs, I found that even a single water damage incident can cost tens of thousands. So, although it adds a few hundred yuan to the annual premium, it saves headaches later. I advise new car owners to read the contract details carefully—don’t assume it’s all-inclusive like I did. Parking on higher ground and avoiding flooded areas when driving can prevent a lot of trouble. Just sharing my experience. (160 words)
