Is Engine Water Damage Insurance Covered Under Vehicle Damage Insurance?
1 Answers
Automobile water damage insurance is now included within the coverage scope of vehicle damage insurance. As long as you have purchased vehicle damage insurance, there is no need to separately buy water damage insurance as before. Consequently, an additional "Engine Water Damage Exclusion Special Clause" has been introduced. Choosing this clause will appropriately reduce the premium, but engine water damage will not be covered. Below is relevant information about water damage insurance: 1. Integration into Vehicle Damage Insurance: Water damage insurance has been integrated into vehicle damage insurance. Not only water damage insurance, but also comprehensive coverage such as theft insurance, standalone glass breakage insurance, spontaneous combustion insurance, no-deductible coverage, designated repair shops, and third-party special clauses have been incorporated into vehicle damage insurance, making its coverage more comprehensive. 2. Coverage Scope: In past claim disputes, glass insurance and water damage insurance accounted for the majority. Many vehicle owners were unaware of the coverage scope of glass and water damage insurance, leading them to believe that vehicle damage insurance should cover engine water damage or glass breakage. Now, integrating these types of insurance into vehicle damage insurance helps reduce such claim disputes.
