Will Insurance Cover Water-Damaged Cars?

[CeciliaAnn]

Whether an insurance company will compensate for a water-damaged car depends on whether the owner has purchased vehicle damage insurance. If vehicle damage insurance is not purchased, there will be no compensation. If it is purchased, compensation is possible. Below are the compensation scenarios for water-damaged cars under different circumstances: Car submerged while parked: If the car is submerged while parked and the owner previously purchased vehicle damage insurance, the insurance will cover the damage. If the car is damaged by falling objects or utility poles during heavy rain or while floating, these are also covered under vehicle damage insurance. Car submerged while driving with a secondary start: If the car stalls due to water while driving through flooded areas and the driver attempts a secondary start, regardless of whether the old version of water damage insurance purchased before the insurance reform on September 19, 2020, or the new version of vehicle damage insurance is in place, the insurance company has the right to deny compensation for resulting engine damage.