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Will Insurance Cover Engine Stalling Due to Water Immersion?

2 Answers

NatalieLynn

09/06/25 7:52am

Insurance companies typically cover engine stalling caused by water immersion. Here are the relevant details: 1. Water Immersion Coverage: This is a newly derived type of auto insurance, primarily an add-on coverage that vehicle owners purchase for their engines. It mainly provides compensation for engine damage caused by driving through waterlogged roads or being submerged in water. However, if the engine is forcibly started after being submerged, resulting in damage, the insurance company will not provide compensation. 2. Precautions: If the engine stalls due to water immersion, never attempt to restart it forcibly. The correct course of action is to immediately contact the insurance company.

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LillianaMarie

09/18/25 7:29am

Whether insurance covers engine stalling due to water immersion depends on your policy. Under standard auto damage insurance, basic coverage like compulsory traffic insurance or third-party liability insurance typically excludes water immersion claims. However, if you've purchased additional riders like water immersion coverage or special engine loss insurance, the insurer may compensate – provided you didn't restart the engine causing further damage. Hydro-lock occurs when water enters the engine, blocking air intake; forcibly restarting can cylinder-scrape and destroy the engine. I recommend car owners review policies before rainy season to ensure such coverage exists. Always navigate flooded areas cautiously – even with coverage, repairs take time. New engines are costly and may increase premiums, so prevention beats claims. Ultimately, check your policy details and supplement coverage if needed.

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