Will a New Car Driven into a River Be Fully Compensated?

[CassidyLee]

A new car driven into a river may not necessarily be fully compensated by the insurance company. If the car owner drives the car into the river, those who have purchased car damage insurance can claim according to the actual loss, but if the loss exceeds the limit, the excess part will be borne by the car owner, and full compensation is not guaranteed. If the car is driven into the river due to a collision with another vehicle and the other party is fully at fault, the fully at-fault party's compulsory traffic insurance, third-party liability insurance, and the at-fault car owner will compensate for all losses, allowing for full compensation. If the car owner has purchased additional engine water damage insurance (a type of add-on insurance), the insurance company will compensate for engine damage caused by driving through water or being submerged. However, if the car owner forcibly starts the engine after submersion, causing further damage, the insurance company will not compensate.