Does Vehicle Damage Insurance Cover Water Damage?

1 Answers
AryaFitz
07/30/25 8:49am
If a car is water-damaged, it can be compensated, but the vehicle damage insurance must be purchased after September 19, 2020, to be eligible for coverage. Here is some relevant information about vehicle damage insurance: Basic Concept: Vehicle damage insurance refers to a type of commercial auto insurance where the insurer compensates the insured or an authorized driver for damages to the insured vehicle caused by an insured accident during its use, within reasonable limits. Premium Discounts: The new policy also establishes 12 adjustment levels for auto insurance rates based on the previous year's claim records, dynamically adjusting according to the previous year's claims. The highest level is level 12, with premiums adjusted to 200; the lowest level is level 1, with premiums adjusted to 50.
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