Does Insurance Cover Secondary Ignition?

[VanEmily]

Insurance does not cover secondary ignition because if the vehicle owner initiates a secondary ignition after the vehicle has been submerged in water, the resulting damage will be considered the owner's fault by the insurance company. They may even suspect the owner of attempting insurance fraud, hence the claim will be denied. If your car stalls after being submerged in water, you should immediately contact your insurance company to file a claim and request a tow truck. Below is relevant information about car insurance: Introduction 1: Motor vehicle insurance refers to coverage that compensates for losses incurred due to natural disasters or accidents while using motor vehicles. The primary vehicles covered include cars, motorcycles, tractors, and other motor vehicles. Introduction 2: Vehicle insurance can be divided into two types: commercial insurance and compulsory traffic insurance. According to relevant data, motor vehicle insurance is the most common and widely purchased type of insurance.

[PenelopeAnn]

Last week, my colleague's car stalled in heavy rain and got waterlogged. He tried to restart it, resulting in a completely ruined engine. The insurance assessor came, took one look, and shook his head, saying that any damage caused by a secondary ignition attempt is not covered by the car damage insurance. The insurance company views this as the owner's operational error leading to aggravated damage, not an accidental incident. Just like last year when my neighbor's car stalled in water, he obediently called for a tow truck. Although the engine connecting rod was broken, the insurance covered the full repair cost. Here's a reminder for everyone: during heavy rain, avoid waterlogged areas. If trapped, cut the power and call for rescue—never recklessly touch the ignition key.

[OPaislee]

Last time my car was flooded up to the exhaust pipe position and automatically stalled. I almost habitually tried to restart it, but fortunately, I had seen related information on my phone and resisted the urge. Now, my friend who works in insurance told me that insurance companies have an unwritten rule: if a vehicle is started twice after stalling due to water ingress, the engine will definitely not be covered. This is because once the engine is started a second time, water can be sucked into the cylinders and directly bend the connecting rods, which is considered man-made damage and not covered by insurance. If you really encounter this situation, remember three steps: put the car in neutral, engage the handbrake, turn off all power, and contact the insurance company to send a tow truck.

[FelixFitz]

While studying auto insurance clauses, I noticed a high number of claim disputes related to restarting engines after water immersion. Insurers consider this an intentional act that exacerbates damage, explicitly excluded from collision coverage. For example, during last year's flood season, a BMW in our neighborhood was submerged and restarted, with the dealership diagnosing fully bent piston rods. However, the insurer only covered interior water damage, rejecting the ¥180,000 engine repair claim. This reminds us that during rainy seasons, drivers should avoid crossing when water reaches half-wheel height and keeping a window breaker in the vehicle is crucial.