How Does Insurance Cover Water-Damaged Cars in Rain?

1 Answers
LaEmerson
07/29/25 5:45pm
If the vehicle is stationary and gets submerged, meaning the damage occurs while parked, the insurance company will provide full compensation. If the vehicle is submerged while in motion, full compensation is also provided. However, if there is only collision coverage without specific water damage coverage, the engine damage will not be compensated. But if the vehicle is submerged while driving and the engine is restarted after stalling, the insurance company will not provide compensation.
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