On the auto side this is all covered by comp coverage. On the prop side it has all be sewer back up as far as I have seen. I've spoken to about 15 clients myself this morning and they've all been covered under sewer back up.
Edit - Unless you eff up your vehicle while driving into the water. Than it is a single vehicle - at fault accident and is covered under collision.
Edit - Unless you eff up your vehicle while driving into the water. Than it is a single vehicle - at fault accident and is covered under collision.
