Will Insurance Cover Water Damage to a Car?
1 Answers
Whether insurance will cover water damage to a car depends on the specific situation. Generally, if the engine is not damaged, the claim can be processed under the vehicle damage insurance. However, if engine damage is involved, the claim must be filed under the water ingress insurance. It is important to note that if the car stalls due to water ingress, do not attempt to restart the engine forcibly, as the insurance company will not be liable for any resulting damage. Below is a detailed introduction to commercial vehicle insurance: 1. Vehicle Damage Insurance: Covers losses caused by natural disasters and accidents, recommended for new drivers. 2. Third-Party Liability Insurance: Covers losses due to injuries or deaths caused by the policyholder to a third party. This is mandatory and provides protection for both the policyholder and others. 3. No-Deductible Insurance: An add-on that transfers the policyholder's liability to the insurance company, reducing the policyholder's loss. It is advisable to purchase this if you have both vehicle damage and third-party liability insurance. 4. Theft Insurance: Covers damages caused by theft, robbery, or hijacking of the vehicle. Recommended for owners without a garage. 5. Passenger Liability Insurance: Covers losses suffered by the driver and passengers due to traffic accidents. Premiums are usually charged per seat. Recommended for new drivers or family vehicles. 6. Spontaneous Combustion Insurance: Covers losses caused by fires due to electrical or wiring issues in the vehicle. Suitable for older vehicles. 7. Glass Breakage Insurance: Covers the cost of replacing windshield or window glass, which can be very expensive. Recommended for vehicles frequently driven in unsafe areas. 8. Scratch Damage Insurance: Covers losses caused by intentional, malicious, or accidental scratches to the vehicle body.
