How Does Comprehensive Insurance Cover Water Damage Claims?
2 Answers
With comprehensive insurance, full compensation is provided. The insurance company will cover all damages, including engine damage. If the engine is not damaged. In this case, comprehensive insurance will cover any damages that occur. With comprehensive insurance that includes water damage coverage, full compensation is provided. With comprehensive insurance but without water damage coverage, engine damage is not covered.
I remember last summer when I was driving and encountered a heavy rainstorm, my car rushed into water and the engine was totaled. I thought the comprehensive car insurance would cover all the damages, but the insurance company said the standard policy only covers external body damage and cleaning costs, while internal engine damage requires additional water submersion coverage. Especially if secondary ignition causes more severe damage, they would deny the claim. So I had to pay out of pocket to repair the engine, losing several thousand yuan. I’ve learned my lesson now—during the rainy season, I absolutely avoid deep water areas when driving, and I’ve added water submersion coverage to my insurance policy. The claims process was quite tedious: first, reporting by phone, then submitting accident photos and repair invoices, waiting for the loss adjuster to inspect and confirm before reimbursing in batches. I advise everyone not to take chances and to check the policy details in advance.
