Does Vehicle Damage Insurance Cover Water Wading Insurance?

2 Answers
McLawson
07/25/25 9:15pm
Vehicle damage insurance does not include water wading insurance. Here is the relevant information: 1. Key points: If the insured vehicle's engine is damaged due to flooding or water wading, the insurance company will only cover the repair costs if water wading insurance is purchased. If only vehicle damage insurance is purchased, the insurance company will not compensate. 2. Auto insurance: Auto insurance is a type of coverage every car owner should consider. Compulsory insurance includes mandatory traffic insurance, while commercial auto insurance, such as vehicle damage insurance, third-party liability insurance, driver/passenger seat insurance, full vehicle theft insurance, water wading insurance, and spontaneous combustion insurance, is optional.
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RobertDella
08/11/25 10:13pm
I've been driving for over ten years. Once after a heavy rain, my car was parked by the roadside and got half a wheel submerged in water, resulting in engine water damage and total loss. I originally thought the vehicle damage insurance would cover this, but the insurance company clearly stated it didn't, and I needed to purchase a separate water submersion add-on. Vehicle damage insurance mainly covers accidents like collisions, theft, or rollovers, while water submersion is considered a natural disaster or special risk. That repair cost me nearly 30,000 yuan, and the insurance only covered part of the body damage. Since then, I've always insisted on adding water submersion coverage, especially in southern regions prone to rainy seasons. I advise car owners not to skimp on this—water submersion insurance is inexpensive, just a few hundred yuan a year, but it can save you a fortune in case of an incident. Also, when parking, choose higher ground to avoid water and prevent submersion risks. Make it a habit to check your policy details, so you don't regret it when you're in a pinch.
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