Can I Get Compensation for Rainstorm Damage Without Purchasing Water Wading Insurance for My Car?

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If you haven't purchased water wading insurance for your car, but have bought vehicle damage insurance, you can get compensation for rainstorm damage. If neither is purchased, compensation is not possible. Below is an extended introduction: 1. Introduction to water wading insurance: Engine special loss insurance is also referred to as water wading insurance. The scope of water wading insurance is relatively limited, generally covering various expenses arising from engine water ingress during normal driving, provided that the engine is not restarted after water ingress. However, relatively few people opt for this insurance, especially in northern regions. 2. Situations where water wading insurance refuses compensation: There is one situation where water wading insurance will not compensate for engine damage caused by driving through water, and that is 'secondary ignition.' Many car owners, after stalling in water, often attempt to restart the engine, which is undoubtedly 'adding insult to injury' for the engine. Water cannot be compressed, and restarting in water will draw water into the engine, causing severe damage to systems such as valves and piston rods. This is a man-made loss, and insurance companies have the right to refuse compensation.