Does Vehicle Damage Insurance Cover Engine Water Damage?

[Elle]

Engine water damage insurance is not included in vehicle damage insurance. Vehicle damage insurance is the primary coverage, while water damage insurance is an additional coverage that cannot be purchased separately. It can only be added if you have vehicle damage insurance. The main difference between the two lies in the scope of claims. Below is some information about auto insurance: 1. Introduction: Auto insurance is a type of commercial insurance that provides compensation for personal injuries or property damage caused by natural disasters or accidents involving motor vehicles. 2. Details: The insured clients are primarily legal entities and individuals who own various types of motor vehicles. The insurance coverage mainly includes different types of cars, but also extends to specialized vehicles such as electric cars, battery-powered vehicles, and motorcycles.

[CalebLee]

I remember driving through a big puddle in the summer two years ago, and the engine stalled as soon as the car entered it. The repair cost me nearly ten thousand yuan. At first, I thought the car damage insurance covered all losses, but the insurance company explained that it mainly covers accident collisions like rear-end collisions, not engine water damage. Water damage requires a separate additional insurance, especially in areas with heavy rainfall, where the risk is quite high. Later, I obediently added the water damage insurance, which only costs a few hundred yuan more per year, and it’s much more worry-free. If you drive in areas with heavy rain, be sure to check the insurance details carefully, so you don’t have to learn the hard way like I did.

[LeAniyah]

From my experience, the basic terms of vehicle damage insurance don't cover engine flooding issues. It's designed to handle vehicle collisions or natural disasters like fires, but water submersion is a special case. Usually, you need to add a waterlogging rider to claim engine repair costs. I recommend everyone carefully review policy details when buying insurance—don't just sign for cheap rates. The waterlogging rider isn't expensive but can prevent major repair risks, especially when driving cautiously during rainy seasons. If you frequently drive in low-lying areas, adding this coverage in advance is more cost-effective.

[DanielFitz]

Once my car got flooded and the engine seized up. When I reported it to the insurance company, they said the basic auto damage insurance didn't cover that part - I needed additional waterlogging coverage. That incident taught me a lesson: auto damage insurance covers accidental collisions, theft, or fallen trees, but not engine flooding. Engine repairs can easily cost tens of thousands, so getting additional coverage is essential for peace of mind. It's also wise to avoid driving through deep water and to check if your policy includes waterlogging protection.