Does the New Version of Motor Vehicle Damage Insurance Include Water Damage Coverage?
2 Answers
2021 motor vehicle damage insurance includes water damage coverage. After the 2020 auto insurance reform, water damage coverage, spontaneous combustion coverage, glass coverage, theft coverage, no-deductible coverage, and third-party non-recovery coverage were all bundled into the vehicle damage insurance for sale. Therefore, as long as you purchase vehicle damage insurance, you can simultaneously obtain coverage for multiple types of auto insurance, which is still very cost-effective. Motor Vehicle Damage Insurance: Motor Vehicle Damage Insurance (Motor-vehicle-loss-insurance) refers to the insurance coverage for the insured vehicle suffering losses due to natural disasters (excluding earthquakes) or accidents within the scope of insurance liability, resulting in damage to the insured vehicle itself. The insurer provides compensation according to the provisions of the insurance contract. This is the opposite of third-party liability insurance, which focuses on others. If you value your car, you should purchase this coverage. Vehicle Water Damage Coverage: Vehicle Water Damage Coverage, commonly known as water damage coverage, is officially named Vehicle Water Driving Loss Insurance. It is specifically designed to compensate for engine damage caused by flooding. Only car owners who have purchased water damage coverage can receive corresponding compensation from the insurance company when encountering engine water ingress and resulting malfunctions due to water exposure.
As an experienced driver, I can share some insights with you. The new version of motor vehicle damage insurance indeed includes water damage coverage. Since the insurance reform in 2020, many additional coverages have been integrated, such as glass breakage and spontaneous combustion insurance. Last year, my engine got flooded when driving through deep water during rain, and I directly claimed the repair cost under the vehicle damage insurance without purchasing separate coverage. Previously, water damage insurance was an additional rider, but now it's much more convenient. I suggest you check your policy to confirm it's the post-reform version to avoid claim issues. When driving, avoid reckless water crossings as prevention is key. If you encounter flood risks, immediately report to insurance and take scene photos without attempting to start the vehicle to prevent further damage.
