Is Water Damage Covered Under Vehicle Damage Insurance?
2 Answers
Water damage to a vehicle is covered under the scope of vehicle damage insurance. Below is an introduction to vehicle damage insurance: 1. Overview of Vehicle Damage Insurance: Vehicle damage insurance is a type of commercial auto insurance where the insurance company compensates within reasonable limits for damage to the insured vehicle caused by an insured accident while the vehicle is being used by the insured or an authorized driver. 2. Coverage of Vehicle Damage Insurance: (1) Collision, overturning, falling. (2) Lightning, hail, heavy rain, flood, tsunami. (3) Fire, explosion, spontaneous combustion. (4) Falling or collapse of external objects. (5) Storm, tornado. (6) Ground collapse, ice collapse, cliff collapse, avalanche, mudslide, landslide, earthquake.
I've personally experienced this before. Last year during a heavy rainstorm, my car was half-submerged in water, and I initially thought the comprehensive insurance would definitely cover it. Later, I learned that the key factor is the cause of the water damage: if the car was flooded due to heavy rain, as long as you have comprehensive coverage, it's generally covered; but if you drove the car into a river for fun, the insurance company won't honor the claim. The most frustrating part is the secondary ignition—if you try to start the engine after the water recedes and damage it, they will absolutely deny the claim. My advice is to call your insurance company directly and have them send someone to assess the damage. Remember to take photos as evidence, clearly capturing the waterline position and license plate. When filing a claim, you may need to prepare your driver's license, insurance policy, and ID card. Also, make sure to find a reliable repair shop for disassembly and drying.