Will Insurance Cover Deliberately Driving a Car into Water?

1 Answers
EzraFitz
07/29/25 5:10pm
Insurance companies will not provide compensation for deliberately driving a car into water. Auto Insurance Coverage: Although auto damage coverage includes situations where the vehicle is submerged in water, the insurance policy explicitly excludes coverage for driving behaviors that violate traffic rules, such as unlicensed driving, drunk driving, or intentional damage. No Compensation for Emotional Distress: Emotional distress falls under the category of indirect losses, and insurance companies lack a standardized method for assessing such damages. Auto insurance policies clearly state that any compensation related to emotional distress caused by an insurance incident is considered exempt from liability. Auto Insurance: Motor vehicle insurance, also known as auto insurance (abbreviated as car insurance), is a type of commercial insurance that covers liability for personal injury or property damage caused by natural disasters or accidents involving motor vehicles.
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