Leaks: It depends. Heavy rains can cause water to get into your vehicle, even when you have done everything you can to keep the water out. This can be caused by improper sealing of your windows, doors, and even your sunroof. When this happens, comprehensive coverage can help pay for damages done. Comprehensive insurance will not help pay for damages that are done due to your vehicle being in poor condition. As a driver, you are responsible for the upkeep of your vehicle. So if your car sustains damages due to water leaking into it over time because of poor maintenance repairs, the water damage caused will most likely not be covered. Same goes for owner error. If you leave your windows down and rain gets in, your insurance company will not reimburse you for the costs to get your car repaired.