Will Insurance Cover Water-Damaged Cars?

1 Answers
DeAdriel
07/30/25 7:43am
Whether you can claim compensation from the insurance company for a water-damaged car depends on the following scenarios: 1. If the vehicle only has third-party liability insurance, the insurance company will not provide compensation. 2. If the vehicle has comprehensive car insurance (also known as collision insurance), you can claim compensation from the insurance company, but damages to the engine are usually not covered. 3. If the vehicle has additional water damage coverage (also known as engine protection insurance), all damages to the vehicle, including engine damage, will be covered. 4. If the driver forcibly starts the engine after the vehicle is submerged in water, causing engine damage, even with comprehensive car insurance and water damage coverage, the insurance company will not compensate for the engine damage. They will only cover repair costs for other parts of the vehicle.
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