Does Vehicle Damage Insurance Include Water Wading Coverage?

[DeBethany]

Vehicle damage insurance does not include water wading coverage. Water wading insurance and vehicle damage insurance are not the same concept. Extended content: The main commercial insurance types include: 1. Vehicle Damage Insurance: This primarily covers damage to the insured vehicle caused by insured accidents, with the insurance company providing compensation within reasonable limits. However, it's important to note that vehicle damage insurance does not cover theft, robbery, or damage to wheels alone, meaning not all traffic accidents will qualify for compensation. 2. Third-Party Liability Insurance: This covers property damage to third parties caused by accidental incidents involving the insured vehicle, for which the insured is legally responsible, with compensation provided by the insurance company. 3. Passenger Liability Insurance: This covers injuries or deaths of passengers in the insured vehicle caused by traffic accidents. The coverage amount for this insurance is also chosen by the vehicle owner. Currently, the number of insured drivers and passengers generally does not exceed the vehicle's rated seating capacity.