Will Insurance Cover a Car Flooded in an Underground Parking Lot?

1 Answers
SanCamille
07/30/25 2:17am
In the event of vehicle submersion, auto damage insurance can cover the damaged parts of the vehicle except for the engine. Damage to the engine caused by flooding may only be covered by water ingress insurance. Vehicle water ingress insurance, also known as engine special loss insurance, is an additional coverage that car owners can purchase specifically for the engine. Additional details are as follows: Auto Damage Insurance: Auto damage insurance refers to a type of commercial auto insurance where the insurer compensates for damage to the insured vehicle caused by an accident while the vehicle is being used by the insured or an authorized driver, within reasonable limits. Vehicle Water Ingress Insurance: Also referred to simply as water ingress insurance, its full name is Vehicle Water Ingress Driving Loss Insurance. It is specifically designed to cover engine damage caused by flooding. Only car owners who have purchased water ingress insurance can receive corresponding claims from the insurer when their engine suffers water ingress and subsequent failure due to flooding.
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