Does Car Insurance Cover Water Damage to Engine?

Comprehensive Coverage

Comprehensive coverage is an optional type of car insurance that covers damage to your car from events other than collisions, such as theft, vandalism, and natural disasters. Water damage to the engine is typically covered under comprehensive coverage, but there are some exceptions.

• If the water damage was caused by a flood, your car insurance may not cover it. Floods are typically considered an “act of God” and are not covered by most insurance policies.
• If you drove your car through a flooded area and the engine was damaged, your car insurance may not cover it. Driving through a flooded area is considered to be a reckless act, and most insurance policies do not cover damage caused by reckless driving.

Collision Coverage

Collision coverage is another optional type of car insurance that covers damage to your car from collisions with other vehicles or objects. Water damage to the engine is not typically covered under collision coverage, unless the collision was caused by another vehicle or object.

For example, if you were driving your car in a rainstorm and a tree fell on your car, the damage to your car would be covered under collision coverage. However, if you were driving your car in a rainstorm and the engine was damaged because you drove through a flooded area, the damage to your car would not be covered under collision coverage.

What to Do if Your Engine is Damaged by Water

If your engine is damaged by water, the first thing you should do is contact your insurance company. Your insurance company will be able to tell you whether or not your car insurance covers water damage to the engine. If your car insurance does not cover water damage to the engine, you may be able to file a claim with your homeowners or renters insurance policy.

Here are some tips to help you file a claim with your insurance company:

• Take photos of the damage to your car.
• Get a copy of the police report, if there was one.
• Contact your insurance company as soon as possible.
• Be prepared to provide your insurance company with information about the damage to your car, the cause of the damage, and your insurance policy.

Conclusion

Whether or not your car insurance covers water damage to the engine depends on the type of coverage you have and the cause of the damage. If you are unsure whether or not your car insurance covers water damage to the engine, you should contact your insurance company.