Does Vehicle Damage Insurance Cover Water Damage?

2 Answers
LaGrant
07/29/25 1:01am
Vehicle Damage Insurance does cover water damage. According to the terms of Vehicle Damage Insurance, compensation applies to situations such as vehicle submersion due to flooded garages, vehicle damage from extreme weather like hailstorms, or damage caused by falling trees and rocks due to heavy rain. The coverage of Vehicle Damage Insurance includes: No coverage for drunk driving, unlicensed driving, or driving without annual inspection: In these cases, the driver does not have the legal qualification to drive on the road, which is a serious violation of traffic laws. Additionally, insurance companies will deny claims if the driver's license does not match the vehicle type or if the driver is in the probationary period and drives on highways. No coverage for damage caused by restarting the engine after water ingress: Insurance companies consider that if the vehicle stalls in deep water and the driver forcibly restarts the engine, causing damage, it is deemed improper operation and is not covered by the insurance.
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RileyAnn
08/12/25 5:10am
My old car got flooded during last year's rainy season, with quite a bit of water accumulating in the chassis. I was really panicked at the time, but fortunately, I had purchased auto damage insurance beforehand. When I filed a claim with the insurance company, they reviewed the policy terms and confirmed it was a natural disaster caused by heavy rain, so they covered the repair costs. Just a reminder: auto damage insurance typically covers water-related damages, such as engine flooding or damage to electronic components inside the car, but only if it's a direct result of a natural disaster. If I had intentionally driven into deep water or been negligent by leaving windows open, causing water damage, the insurance might have refused to pay. So, it's safest to avoid parking in low-lying areas and move the car quickly when heavy rain is forecast. If something does happen, don't start the car—take photos first and report the claim to avoid worsening the damage.
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