Will Insurance Cover Water Damage to a Car?

[OAllie]

If you haven't purchased water damage insurance, the insurance company will not cover the damages. Additionally, losses incurred from forcibly starting the engine after submersion will also not be compensated by the insurance company. Below is relevant information: 1. Relevant Regulations: According to China's motor vehicle insurance clauses, vehicle losses caused by natural disasters such as heavy rain and floods fall under the liability of commercial auto insurance's vehicle damage insurance. Therefore, expenses such as rescue costs, cleaning fees, electrical damage, and interior damage resulting from vehicle submersion are covered by vehicle damage insurance, and the insurance company should compensate for these. However, vehicle damage insurance does not cover engine damage caused by submersion or secondary ignition, but water damage insurance does. 2. Water Damage Insurance: Also known as engine special loss insurance, it covers damages to the engine caused by driving through water or submersion. Moreover, since auto insurance clauses typically include a deductible rate, if the "special clause for no deductible" is not purchased, the insurance company will compensate after deducting the deductible amount in the event of an accident.