Does the insurance company cover engine water damage?
2 Answers
Engine water damage is covered by insurance, but if the car engine is started after being flooded, the insurance company will refuse to compensate. Below are the relevant details about the compensation: 1. Compensation conditions: The main losses caused by heavy rain to vehicles include flooding leading to water ingress, damage to vehicle seats, circuits, and other components; collision damage from vehicles drifting in water; towing and rescue cost losses; car water damage insurance coverage includes towing fees, rescue fees, and repairs to in-car electronics due to heavy rain. 2. Compensation principle: In the case of a used car being damaged but not totaled, the replaced parts are compensated based on the price of new original parts. When a used car needs repair due to damage, it is repaired with new parts, and the cost is based on the price of new car parts, with the repair labor cost calculated according to current standards.
I've been driving for over a decade and know that engine water damage is quite common. Whether insurance covers it mainly depends on your policy coverage. Basic auto damage insurance typically doesn't cover engine water damage unless you've purchased additional wading insurance, which specifically protects the engine. If the damage is caused by natural disasters like typhoons or floods, your auto damage insurance might provide some coverage, but if you deliberately drive through flooded areas, you'll likely have to pay out of pocket. My advice is to carefully consult with your insurance agent when purchasing coverage - adding wading insurance only costs a few hundred yuan annually, which could save you from expensive engine repairs later. If water does enter your engine, don't panic - immediately turn off the ignition without restarting the engine, take some photos of the scene, then contact your insurer to file a claim for smoother processing. When weather conditions are poor, it's best to avoid driving altogether - prevention is always the best strategy.
