Does Vehicle Insurance Include Water Damage Coverage?
2 Answers
Vehicle insurance includes water damage coverage. Auto insurance is a comprehensive term encompassing all types of vehicle insurance policies. Water damage coverage, also known as vehicle loss insurance or special engine loss insurance, may have varying names among commercial insurers but shares the same essence. This newly evolved insurance type refers to an additional coverage purchased by vehicle owners specifically for their engines. It primarily ensures compensation for engine damage caused by driving through waterlogged roads or submersion. After the 2020 auto insurance reform, water damage coverage was incorporated into the vehicle damage insurance protection. Current vehicle damage insurance not only covers vehicle damage but also includes protections originally offered under full vehicle theft insurance, engine water damage coverage, spontaneous combustion insurance, standalone glass breakage insurance, no-deductible coverage, third-party non-traceability insurance, and designated repair shop insurance. Water damage coverage compensation scope: Collision, overturning, falling, fire, explosion, spontaneous combustion, falling external objects, collapse, storm, tornado, lightning, hail, heavy rain, flood, tsunami, ground collapse, ice collapse, cliff collapse, avalanche, mudslide, landslide, and natural disasters affecting ferries transporting insured vehicles (limited to 58 Auto drivers and accompanying personnel).
Well, I've been driving for over ten years myself. I remember last summer during a heavy rainstorm, my car stalled on a waterlogged road, and the engine got flooded. The repairs ended up being extremely expensive. It was only then that I learned standard vehicle insurance doesn't cover water damage, also known as flood damage insurance. Regular insurance like compulsory traffic insurance and commercial third-party liability mainly covers collisions or personal injury compensation, but generally excludes water-related incidents unless you purchase additional riders. From my experience, it's good to assess regional weather risks. In cities like ours in the south with long rainy seasons, it's best to add flood damage coverage. Spending a few hundred yuan on premiums can save you a lot on post-incident repairs. Before signing any policy, always confirm the coverage details directly with customer service to avoid making the same mistake I did. It's also worth looking into additional options like separate glass damage or natural damage coverage to ensure comprehensive protection for peace of mind on the road.
