Is Water Damage Insurance Included in Auto Insurance?

[VonLukas]

Generally speaking, comprehensive auto insurance includes compulsory traffic insurance, vehicle damage insurance, third-party liability insurance, no-deductible coverage, and passenger liability insurance. Comprehensive auto insurance does not include water damage insurance. Water damage insurance is not an independent type of insurance and cannot be purchased separately; it is an additional coverage attached to the basic insurance. Here is additional information: Water damage insurance is purchased as an add-on to vehicle damage insurance. The policyholder must first purchase the main vehicle damage insurance before adding water damage insurance. Since water damage insurance provides additional protection for the policyholder, damage to the engine caused by water submersion will also be covered. However, if the policyholder forcibly starts the engine after the vehicle is submerged, causing damage, the insurance company will not compensate for the loss.