You'd need to be more specific about how the damage occurred. Comprehensive coverage is, in fact, a very broad coverage under most auto policies, but it can get tricky depending on the facts-of-loss.
If you'd like to put an addendum to your question on this site, I'd be happy to look at it again...
It depends. For instance, flooding is one of those things usually not covered by insurance, even if "water damage" is. Flooding is typically defined as water at a certain level in the car (and surrounding area).
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