Does Insurance Cover Engine Damage from Secondary Startup After Water Ingestion?
2 Answers
Insurance does not cover engine damage from secondary startup after water ingestion. Below is relevant information about vehicle insurance: 1. Introduction: Vehicle insurance, also known as motor vehicle insurance or auto insurance, refers to a type of commercial insurance that covers personal injuries or property damage caused by natural disasters or accidents involving motor vehicles. Auto insurance is a form of property insurance and is relatively new in the field of property insurance, as it emerged and developed alongside the advent and popularization of automobiles. Unlike modern motor vehicle insurance, early auto insurance primarily focused on third-party liability coverage and gradually expanded to include risks such as collision damage to the vehicle body. 2. Classification: Commercial insurance is an indefinite value insurance, divided into basic coverage and additional coverage, with the latter not being independently insurable. Basic coverage includes third-party liability insurance and vehicle damage insurance (comprehensive coverage); additional coverage includes total vehicle theft insurance (theft coverage), onboard liability insurance, no-fault liability insurance, cargo drop liability insurance, standalone glass breakage insurance, vehicle downtime loss insurance, spontaneous combustion loss insurance, newly added equipment loss insurance, and no-deductible special coverage. The commonly referred-to compulsory traffic accident liability insurance (CTPL) also falls under the broad category of third-party liability insurance. CTPL is mandatory, and vehicles must purchase it to be legally driven, undergo annual inspections, and be registered. In the event of third-party loss claims, CTPL must be paid out before other insurance types.
As an experienced driver, I've seen many cases where insurance won't cover damages from restarting a flooded vehicle. When water enters the engine cylinders, attempting to restart can cause the piston to compress the water, potentially bending connecting rods or causing engine seizure, leading to further damage. Insurance companies are shrewd – auto insurance policies clearly state they won't cover additional losses caused by improper operation. Restarting is considered your fault, and they may only compensate for the initial flood damage. A friend of mine couldn't resist restarting after his car was submerged, resulting in a totaled engine and denied insurance claim, costing thousands. The best practice is to immediately turn off the engine when flooded, don't touch anything, and call for a tow truck to minimize human error. When driving, always detour around standing water – prevention is far more reliable than post-disaster arguments with insurers.
