Does Compulsory Traffic Insurance Cover Water-Damaged Vehicles?

[VonLucy]

Compulsory traffic insurance does not cover water-damaged vehicles because it is designed to compensate third-party vehicles and individuals. Vehicle damage can only be claimed if comprehensive auto insurance has been purchased. Compulsory traffic insurance is mandatory by the state and is required for vehicles to legally operate on the road. According to Article 95 of the Road Traffic Safety Law: Traffic management departments of public security authorities shall detain motor vehicles, notify the parties to provide corresponding licenses, markings, or complete necessary procedures, and may issue a warning or impose a fine ranging from 20 to 200 yuan. Compulsory Traffic Insurance for Automobiles: The full name of compulsory traffic insurance is "Compulsory Liability Insurance for Motor Vehicle Traffic Accidents." It is a mandatory liability insurance where the insurance company compensates for personal injuries, deaths, and property losses of victims (excluding vehicle occupants and the insured) caused by road traffic accidents within the liability limits. Premiums are based on nationally unified standards, but prices vary depending on the vehicle type, primarily influenced by the number of seats. Compared to the over 20 exemption clauses in commercial third-party liability insurance, compulsory traffic insurance covers a broader range, including losses caused intentionally by the victim, the insured's own property losses, related arbitration and litigation costs, and certain indirect losses from accidents. Moreover, regardless of fault in an accident, compulsory traffic insurance provides compensation within the liability limits without deductibles or exemptions. Introduction to Electronic Insurance Policies: An electronic insurance policy refers to a digital policy issued by an insurance company using digital signature software and enterprise digital certificates that comply with the PKI system, bearing the electronic signature of the insurer. An insurance policy, abbreviated as a policy, is the official written proof of the insurance contract between the insurer and the insured. It must fully document the rights, obligations, and responsibilities of both parties. The content recorded in the policy serves as the basis for both parties to fulfill the contract, and it is proof of the establishment of the insurance contract. Advantages of Electronic Insurance Policies: Saves paper resources by eliminating the need to print insurance proof marks; Time-saving and convenient, unrestricted by time or location, with information accessible online anytime, quickly and easily; Allows for reissuance or resending, eliminating concerns about loss. If a paper version is needed offline, it can be printed or mailed; Simplifies management, as electronic standardization makes it easier for insurance companies and traffic police departments to manage vehicle insurance information.

[HazelLee]

My car was flooded once during a heavy rain last summer, with water reaching up to the seats. The repairs cost several thousand yuan. I checked the compulsory traffic insurance (CTPL) and found that it only covers injuries or property damage to others, such as medical expenses if you hit someone, but it doesn't cover any damage to your own car from flooding. You need to purchase commercial insurance like vehicle damage insurance or waterlogging insurance to cover such losses. Since then, I've been reminding my friends to check their insurance policies before the rainy season to see if they have added waterlogging coverage. If your car gets flooded, it should be towed for repairs immediately to avoid further damage like electrical short circuits. For daily parking, choose higher ground to avoid low-lying areas, such as staying away from the exits of underground shopping mall parking lots.

[LaylaLynn]

I remember seeing many cases of cars being flooded. Compulsory traffic insurance is a mandatory national insurance with a very narrow coverage, only covering third-party liability risks. If your car is waterlogged, it's considered your own property loss, and the repair costs can only be covered by commercial insurance like vehicle damage insurance. I often advise car owners to carefully read the contract terms when buying insurance and not to skimp by only getting compulsory insurance. Some additional insurances, like waterlogging insurance, specifically cover flood-related accidents, and you can add them before the rainy season. It's also important to learn some preventive techniques, such as not opening windows during heavy rain or driving through deep water, to avoid unnecessary trouble.

[JulietAnn]

Having seen many water-damaged cars, in most cases, compulsory traffic insurance doesn't cover it. It simply doesn't include the repair costs for your own vehicle's damage. If you really encounter such a situation, you'll have to pay out of pocket or rely on commercial insurance. After water ingress, the first thing to do is to cut off the power and avoid starting the engine to prevent more expensive engine damage. It's best to check every year whether your insurance has updated its water damage coverage. Parking in a safe place to avoid trouble is the best strategy.

[JuliaMarie]

From a legal perspective, compulsory traffic insurance only covers third-party liability claims. Vehicle submersion damage falls under the category of personal property loss for the car owner, which is not covered by this insurance. Claims must be made through commercial insurance such as comprehensive coverage. I always emphasize that car owners should insure properly without omitting any necessary coverage. Some rainy season protection tips: regularly check if the undercarriage drainage ports are clogged, and park on higher ground to prevent potential risks.