Will insurance cover water damage if the car window was left open?

[Tony]

It depends on the situation. If you have purchased vehicle damage insurance and the incident occurred during a heavy rainstorm, you may negotiate a claim with the insurance company, as heavy rainstorms meet the conditions for natural disasters and fall within the coverage scope. Water-related insurance coverage: There are two types of insurance: the most common is vehicle damage insurance, and the other is called special engine loss insurance, commonly known as water ingress insurance. Vehicle damage insurance: Vehicle damage insurance and third-party liability insurance are basic vehicle insurance policies. They primarily cover the loss of the insured vehicle and damages caused to third parties by the insured vehicle during use. Most losses caused by natural disasters are covered.