Does Comprehensive Car Insurance Cover Flood Damage?

1 Answers
Aliyah
07/29/25 12:19am
Comprehensive vehicle insurance does not include flood damage coverage. Below is relevant information about comprehensive car insurance: Introduction: Comprehensive insurance typically refers to compulsory traffic insurance, vehicle damage insurance, third-party liability insurance, no-deductible coverage, passenger insurance, glass insurance, theft insurance, etc. Flood damage insurance is a newly derived type of auto insurance, which mainly refers to an additional coverage that car owners purchase for their engines. Notes: After purchasing flood damage insurance, if the vehicle is submerged, it is advisable for the car owner to proactively turn off the engine in water to avoid damage to engine components such as valves due to water impact while driving. While ensuring personal safety, immediately call the insurance company to report the incident and have them assess the damage on-site, or arrange for a rescue vehicle to transport the car to the insurance company's assessment center. If the damage falls within the coverage scope of the flood damage insurance, corresponding compensation can be obtained.
Was this review help?
1
3
Share
More Forum Discussions

How long will the unprocessed traffic violations on the driver's license be automatically cleared?

Unprocessed violation records will not be automatically cleared. If traffic violations on the driver's license remain unprocessed for three years, high late fees will be incurred. Traffic fine late fees refer to punitive charges imposed on payers for exceeding the specified payment deadline, generally calculated as a certain percentage of the payable amount for each day beyond the deadline. Below is an introduction to why violations cannot be cleared before the scoring cycle ends if left unprocessed: 1. Paying fines: If there are unprocessed violations at the end of a scoring cycle, the points will carry over to the next cycle. It is necessary to promptly handle the violations at the traffic police station, pay the fines, and wait until the end of the next scoring cycle for the points to be cleared. 2. Clearance after paying fines: According to the regulations on the application and use of motor vehicle driver's licenses, if a motor vehicle driver's score in a scoring cycle does not reach 12 points and the imposed fines have been paid, the points will be cleared.
12
0
Share

What type of engine oil is suitable for the Magotan?

Volkswagen Magotan requires engine oil with the specification 0W40. The primary function of engine oil is to circulate carbon deposits, sludge, and metal wear particles from engine components back to the oil pan, while also flushing away contaminants generated on the working surfaces of parts through the flow of lubricant. Taking the 2020 Magotan as an example: 1. Vehicle Dimensions: It is classified as a mid-size sedan, with a body length of 4865mm, width of 1832mm, height of 1471mm, wheelbase of 2871mm, fuel tank capacity of 66 liters, and trunk capacity of 533 liters. 2. Powertrain: The 2020 Magotan is equipped with a 1.4L turbocharged engine, delivering a maximum horsepower of 150PS, maximum power output of 110kW, and peak torque of 250Nm, paired with a 7-speed dual-clutch transmission.
20
4
Share

How Often Should a Newly Purchased Car Be Washed?

A newly purchased car can be washed 7 to 10 days after being taken home. Below is an introduction to related information: 1. Hazards: If a car is not washed for a long time, acidic components in rainwater and harmful substances like dust can erode and adhere to the car's paint surface. Long-term neglect can accelerate the aging and damage of the paint. Damaged paint can cause the metal parts of the car body to oxidize due to loss of protection, leading to premature vehicle damage. 2. Inspection: After washing the car, it is best to carefully inspect and dry it before driving away. Below are extended details on the first maintenance required for a new car: 1. Replacement: Replace the three filters and engine oil. 2. Inspection: Check whether brake fluid, transmission oil, and power steering fluid should be replaced. 3. Testing: Inspect brake pads, tires, shock absorbers, and suspension. 4. Inspection: Check spark plugs, throttle, and fuel supply system. 5. Rotation: Rotate the front and rear wheels and perform a routine inspection.
14
0
Share

What to Do If You're Afraid to Drive After Just Getting Your License?

Here are some great tips for beginners to overcome driving fear: 1. Familiarize yourself with the new car's structure: Each car has slight differences in its structure. After purchasing a car, drivers need to spend some time understanding its layout, carefully reading the car manual, and gradually learning how to use their beloved vehicle correctly. After grasping these basics, they can start driving on the road. New cars have many buttons or controls, each serving a specific purpose. Improper use by drivers can lead to issues during travel, affecting normal driving. 2. Practice is essential: For beginners who just got their license, lack of driving experience is common. Therefore, drivers should make full use of their free time to practice driving in open areas with few or no people. This not only improves driving skills but also helps overcome nervousness while driving. After all, practice makes perfect, and with more driving experience, a driver's skills will naturally improve significantly. 3. Have an experienced driver accompany you: If new drivers are afraid to drive alone, they can ask an experienced driver to accompany them. Although the passenger seat in a regular car doesn't have a brake like in a training car, experienced drivers can offer advice to ensure safe driving. For beginners, just having an experienced driver by their side provides a sense of security, effectively reducing driving anxiety.
20
0
Share

What are the requirements for renewing an expired driver's license?

The process for renewing an expired driver's license is as follows: The motor vehicle driver must bring the required materials to the vehicle management office where the driver's license was originally issued to apply for renewal. The vehicle management office will process the renewal within one working day after approval. Materials required for renewal: Bring two copies of ID card, two recent 1-inch color photos without headwear, original ID card, original driver's license, and a medical examination certificate from a county-level or above hospital (free medical examination is also available at the vehicle management office). In addition to applying for renewal at the vehicle management office, you can also apply for renewal through the following methods: Renewal via the "Traffic Management 12123" APP. Download the "Traffic Management 12123" APP, then select Service Center -- Expired License Renewal Service -- Fill in the information. The new license is usually delivered by mail. Visit the "Police-Medical-Post" service point at a postal business hall for renewal. The entire process, from registration to medical examination and new license production, takes only half an hour. Currently, only a few cities have this service, such as Hangzhou.
9
5
Share

Is It Dangerous to Have Only 6 Points Left on the Driver's License?

For a Class C license with only 6 points remaining, if the fines have been paid, the points will be automatically reset in the next scoring cycle. However, accumulating 12 points will result in the suspension of the driver's license, requiring the driver to attend a study session and pass an exam to retrieve it. For Class AB licenses with only 6 points left, attending a study session and passing an exam is mandatory, and accumulating 12 points will lead to a downgrade. Specific details are as follows: 1. Study and Exam: The driver must report to the traffic management department of the public security authority at the place where the driver's license was issued or where the violation occurred within 15 days to attend a seven-day study session on road traffic safety laws, regulations, and related knowledge. After completing the study session, the vehicle management office must administer an exam on road traffic safety laws, regulations, and related knowledge within 20 days. 2. Driving Vehicle Type Requirements: If a driver accumulates 12 points or more twice in one scoring cycle or accumulates 24 points or more in total, the vehicle management office must also administer a road driving skills test within 10 days after the driver passes the exam on road traffic safety laws, regulations, and related knowledge. The road driving skills test must be conducted according to the highest vehicle type specified on the driver's license.
8
4
Share
Cookie
Cookie Settings
© 2025 Servanan International Pte. Ltd.