How does engine water damage insurance compensate?
1 Answers
When a vehicle is submerged in water while driving, the vehicle damage insurance mainly covers losses caused by water damage to seats, interior, and wiring. The water damage insurance primarily covers the costs of repairing the engine after it has been flooded. However, there is a crucial condition: once the engine is flooded, the vehicle must not be restarted, as a second attempt to start it will inevitably cause engine damage. If the engine is damaged due to a second start, the insurance company will not compensate. Below is an introduction to some types of auto insurance: 1. Vehicle Damage Insurance: Used to compensate for losses to the vehicle itself caused by natural disasters and accidents. It is recommended for new drivers to purchase this. 2. Third-Party Liability Insurance: Used to compensate for losses of third-party personal injury or death caused by the vehicle owner. This is a must-have for both self-protection and the protection of others. 3. No-Deductible Insurance: An additional insurance that transfers the responsibility the owner needs to bear to the insurance company, reducing the owner's losses. If both vehicle damage insurance and third-party liability insurance are purchased, it is best to also purchase no-deductible insurance. 4. Theft and Robbery Insurance: Used to compensate for damages caused by vehicle theft, robbery, or seizure. It is recommended for new car owners without a garage to purchase this. 5. Passenger Liability Insurance: Used to compensate for losses to the driver and passengers in the vehicle due to traffic accidents. Premiums are usually paid per seat. It is recommended for new drivers or family vehicles to purchase this.
