Will the insurance company compensate for engine water damage?
2 Answers
If a car's engine is damaged by water, the insurance company will provide compensation. Here is the relevant information: 1. Auto Insurance: Auto insurance is a type of property insurance. In the field of property insurance, auto insurance is a relatively young category, as it emerged and developed alongside the advent and popularization of automobiles. Unlike modern motor vehicle insurance, early auto insurance primarily covered third-party liability and gradually expanded to include risks such as collision damage to the vehicle body. 2. Commercial Insurance: The main types of commercial insurance include vehicle damage insurance, third-party liability insurance, passenger liability insurance, and comprehensive theft insurance. Motor vehicle damage insurance covers losses to the insured vehicle caused by natural disasters or accidents within the scope of the insurance policy, with the insurer providing compensation according to the terms of the insurance contract.
Last year, after my car got flooded, I learned one thing: the key to claiming compensation for engine water damage depends on your insurance type and whether your actions were reasonable. A standard auto damage insurance policy covers parts other than the engine when the car is stationary and submerged. However, if you actively drive into a water puddle and cause water ingress, you'll generally need additional water damage coverage to cover the costs. But water damage insurance usually needs to be purchased separately, and insurance companies particularly frown upon restarting the engine after water exposure. A mechanic told me that restarting the engine after flooding can double the damage, and in such cases, insurance companies will outright refuse the claim without discussion. You really need to be cautious when driving during the rainy season, and remember to check your insurance policy to confirm if it includes water damage clauses.
