What is the coverage of engine water damage insurance?

[VictoriaLee]

The coverage of water damage insurance includes direct damage to the engine caused by water ingress and reasonable rescue expenses paid to prevent or reduce the loss of the insured vehicle. Generally, water damage insurance has a deductible rate of 15%-20%, but different insurance companies have varying regulations regarding the deductible rate, so it is essential to clarify this when purchasing. The following situations are not covered: 1. Secondary startup: Damage to the engine caused by a secondary startup is not covered. 2. Outside the scope of insurance liability: Damage or repairs to the insured vehicle caused by accidents outside the scope of the motor vehicle loss insurance liability. 3. Substandard repair quality: Repairs required due to substandard repair quality when the vehicle is not repaired at a repair shop approved by the insurer. 4. Delayed vehicle repair: Delays in sending the vehicle for repairs by the insured or the driver. 5. Garage flooding: Losses caused by garage flooding fall under the vehicle damage insurance and are not covered by water damage insurance.