How Does Insurance Cover Water Damage to a Car?
1 Answers
If the driver is distracted by using a phone, leading to the car falling into water and getting damaged, but this scenario is not listed in the insurance policy's exclusion clauses, the insurance company will provide compensation. If the car's engine is damaged due to wading through water, and the owner has not purchased additional coverage for water-related risks, the insurance company will not cover the loss. If a vehicle is damaged due to road flooding caused by heavy rain while driving normally, and this complies with the terms of the insurance contract, the insurance company cannot exempt itself from liability. If the car stalls while wading through water during driving, and the engine is damaged due to a second attempt to start the engine, the insurance company will not provide compensation.