Is water damage insurance included in new car insurance?

1 Answers
DiDominic
07/30/25 1:13am
Commercial insurance for new cars includes water damage insurance. Here is relevant information about vehicle water damage insurance: 1. Precautions: If engine damage is caused by human factors, even with water damage insurance, the insurance company will not compensate. Human factors refer to engine damage caused by the owner attempting to restart the engine after stalling in water. 2. Coverage: Rescue costs, cleaning costs, electrical losses, and interior component losses. Comprehensive car insurance only covers rescue costs, cleaning costs, electrical losses, and interior component losses after a car is submerged in water, while water damage insurance only covers engine damage. All insurance companies' water damage insurance has an absolute deductible rate of 15%–20%. This means that even if you purchase comprehensive car insurance, water damage insurance, and the no-deductible additional insurance for comprehensive car insurance, you can receive a maximum of 80%–85% compensation for engine damage.
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