What insurance covers water damage to a car?

[NathanLynn]

Buying comprehensive car insurance can cover water damage to your car. Here are the relevant details: 1. Insurance that covers water damage: Water damage falls under the scope of comprehensive car insurance. Third-party liability insurance and compulsory traffic insurance do not cover this. Compulsory traffic insurance and third-party liability insurance cover damage to other people's vehicles, persons, or property. 2. Relevant rules: Water damage to your own vehicle is not covered. If the car is damaged by water during heavy rain, this falls under the scope of comprehensive car insurance, and the insurance will cover the damage. If the car is damaged by water when it's not raining heavily, for example, if there is deep water in a tunnel after heavy rain and the car owner insists on driving through, resulting in water damage, comprehensive car insurance will not cover it. In this case, you need to purchase additional water damage insurance to get coverage. Insurance policies are very detailed. If you have purchased the corresponding insurance for the accident, it will cover the damage; if not, it won't.