Will the insurance company compensate if I accidentally drive my car into a river?

[VonEva]

If your car ends up in a river, the insurance company may not necessarily compensate you. For example, if you drove the car into the river yourself, those who have purchased vehicle damage insurance can claim according to the actual losses, but if the loss exceeds the limit, the excess part will be borne by the car owner, and it may not be fully compensated. If your car was driven into the river due to a collision with another vehicle and the other party is fully at fault, then the fully at-fault party's compulsory traffic insurance and third-party liability insurance, as well as the at-fault car owner, will compensate for all your losses, which can be fully covered. The vehicle damage insurance in car insurance usually only compensates for vehicle losses caused by natural disasters or accidents. If the actual situation of driving the car into the river falls within the scope of the insurance agreement, the insurance company will not compensate for it, and you cannot claim a total loss. For specifics, you can consult the insurance company.