Will Full Coverage Insurance Pay for Water Damage to My Car?
1 Answers
Not necessarily. It depends on whether your auto insurance policy includes water damage coverage. Here are the relevant details: 1. Comprehensive Coverage: According to the 'Motor Vehicle Commercial Insurance Model Clauses', during the insurance period, if the insured vehicle suffers damage due to natural disasters such as rainstorms or floods while being used by the policyholder or authorized users, the insurance company will compensate as agreed. If the car is damaged by flooding while parked in a residential area or underground garage, as long as the vehicle has comprehensive coverage, the insurance company will treat it as a natural disaster for compensation. 2. Requirements for Water Damage Coverage: When a vehicle is submerged while parked roadside or in an underground garage, and provided the engine wasn't started in water, comprehensive coverage can be used to claim compensation. This includes costs like vehicle cleaning and wiring harness inspection, all of which can be claimed under comprehensive coverage.