Are you covered by insurance if you drive through water and damage your vehicle?
If you drive through water and it causes damage to your vehicle, you can make a claim but only if you have comprehensive coverage.
Also called All Perils insurance, comprehensive is an optional coverage that protects you against non-collision incidents, such as theft, vandalism, fire, or extreme weather things that usually tend to happen when your vehicle is stationary.
Each claim is handled based on the facts of how it happened and whether coverage exists
Some insurance companies sell comprehensive coverage as part of a package with collision insurance coverage. If you make a comprehensive claim, then the deductible would apply.