Does new car insurance include water damage coverage?

1 Answers
KateAnn
07/29/25 6:09am
New car insurance does not include water damage coverage. The relevant details are as follows: Introduction to water damage coverage: Water damage coverage, also known as auto loss insurance or engine special loss insurance, varies in name among insurance companies but is essentially the same. It is a newly derived type of insurance, referring to an additional coverage that car owners purchase for their engines. It provides compensation if the insured vehicle's engine is damaged due to driving through waterlogged roads or being submerged. However, it is important to note that if the car owner forcibly starts the engine after the vehicle has been submerged, causing damage, the insurance company will not provide compensation. Introduction to comprehensive insurance: Comprehensive insurance consists of two main parts: compulsory traffic insurance and commercial insurance. Compulsory traffic insurance is a mandatory coverage required by the state for all vehicles. Commercial insurance is a series of auto insurance products offered by insurance companies, mainly including basic insurance and additional coverage. Additional coverage generally cannot be purchased independently and must be attached to the corresponding basic insurance.
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