Will Insurance Cover Water Damage to a Car from Rain?
1 Answers
If the car owner has purchased auto damage insurance, they can receive compensation for rescue and cleaning costs, electrical losses, and interior damage caused by water entering the vehicle, excluding engine damage, which the owner must bear themselves. If the owner has purchased the main auto damage insurance along with additional water damage coverage, the insurance company will cover all vehicle losses. Generally, the following types of car insurance can be purchased: 1. Compulsory Traffic Accident Liability Insurance: This is a mandatory insurance that must be obtained before registering the vehicle at the DMV and must be paid on time. 2. Third-Party Liability Insurance: Third-party liability insurance serves as an effective supplement to compulsory insurance, as the latter's compensation limits are relatively low. Third-party liability insurance offers more comprehensive coverage. 3. Auto Damage Insurance: Auto damage insurance compensates for the owner's vehicle losses. The premium is closely related to the vehicle's purchase price and the number of seats; generally, the higher the vehicle price, the higher the premium. 4. Spontaneous Combustion Loss Insurance: This insurance mainly covers liability for spontaneous combustion caused by circuit aging or fuel supply issues. In the event of an accidental fire, the policyholder can claim compensation.
