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.
