Does Motor Vehicle Damage Insurance Include Water Wading Coverage?
3 Answers
Motor Vehicle Damage Insurance includes water wading coverage. Below is an introduction to water-damaged vehicles: The specific definition of a water-damaged vehicle: The vehicle begins to accumulate water, and internal components are damaged due to the water. Water-damaged vehicles have corresponding flood levels. Classification of water-damaged vehicle flood levels: Flood Level 1 is when water just reaches the vehicle's chassis, Flood Level 2 is when water reaches half of the wheels, Flood Level 3 is when water almost completely submerges the tires, Flood Level 4 is when water reaches the engine hood, Flood Level 5 is when water completely submerges the engine hood, and Flood Level 6 is when water submerges the roof.
I was also curious about this when I first bought my car. As an ordinary driver, I can tell you that auto damage insurance now generally includes water damage coverage, especially after the 2020 insurance reform when many additional coverages were integrated. Last year, my car was flooded during heavy rain, and I successfully claimed compensation for engine water damage from the insurance company—provided you don't restart the engine after it stalls, or you might get denied. The coverage is quite broad, including flood damage from storms, but specifics depend on your policy terms. I recommend paying attention to seasonal changes and checking insurance details before driving in the rainy season to ensure peace of mind.
As a seasoned driver with years of experience, I find the current auto damage insurance design very user-friendly, as it indeed covers water-related risks. In the past, we had to purchase additional water damage riders, but now it's mostly unnecessary, saving both hassle and money. If you force your way through deep water and cause engine failure, the insurance company will compensate for the direct losses. However, remember one crucial point: never attempt to restart the engine after stopping in water, or you'll have to cover the repair costs yourself. While driving, try to avoid low-lying waterlogged areas to protect your beloved car and extend its lifespan. Regularly checking and updating your policy can also prevent oversights.
