Does Water Wading Insurance Need to Be Purchased Separately?
2 Answers
Automobile water wading insurance needs to be purchased separately because it is an additional coverage to the vehicle damage insurance, and the comprehensive insurance for new cars does not include water wading insurance. Compulsory Traffic Insurance: This is a mandatory national auto insurance that provides coverage for the other party's property and personal safety. Special Coverage for Non-Deductible: The most important aspect of this auto insurance is the absolute deductible rate. Vehicle Damage Insurance: Vehicle damage insurance mainly protects the car. If the car is damaged due to an accident or natural disaster, these losses can be compensated by the insurance company through vehicle damage insurance. Third-Party Liability Insurance: This insurance primarily covers the personal injuries and property losses of third parties in traffic accidents. To supplement the coverage limit of compulsory traffic insurance, a comprehensive third-party liability insurance is necessary.
Water damage insurance usually needs to be purchased separately as it is not covered under basic auto insurance policies. Standard coverage like comprehensive insurance mainly protects against collisions or theft, but risks such as engine damage from vehicle submersion or water ingestion during driving through flooded areas are typically excluded. As an ordinary car owner, I personally experienced the hassle of my car being flooded during the rainy season—repairing the engine cost me tens of thousands, and my insurance didn't cover it, making me regret not buying the additional coverage earlier. I recommend assessing risks based on your local climate. Residents in rainy southern cities especially should consider adding water damage coverage—it's affordable but provides crucial protection. From cases I often see shared online, proper planning can prevent major losses.
