How does the vehicle waterlogging insurance compensate?

[LaFaith]

When driving through waterlogged roads, if the water level is relatively high and has submerged the engine's intake system, or water splashes into the intake system causing the engine to stall. If the vehicle falls into water, such as a river, or loses control and plunges into water, compensation can be claimed.

[OCaden]

Last time I was driving in heavy rain, the road was flooded too deeply, and water got into the engine, causing it to stall. I immediately stopped the car, turned off the engine, and turned on the hazard lights, avoiding restarting it. I called the insurance company right away to report the incident, providing the location and details of the accident. The claims adjuster arrived half an hour later, measured the water level, took photos and videos of the watermarks, and checked the dampness of the chassis and interior. They advised me not to move the vehicle and wait for a tow truck to transport it to the repair shop for damage inspection. Eventually, it was confirmed that the engine and circuit board were damaged due to water exposure. Since I had purchased the additional water damage insurance, the insurance company covered the full repair cost of over 30,000 yuan. The entire process took about a week. The key is to contact the insurance company immediately and provide accurate information to avoid complicating things by handling it yourself. Driving in the rainy season requires extra caution—safety is more important than anything else.

[Kelly]

My neighbor's newly bought car stalled in the flood, and he quickly restarted the engine, which resulted in a major engine overhaul. When filing the claim, the insurance company said that the secondary start was considered man-made damage and would not be covered by the waterlogging insurance. In fact, the standard coverage is: waterlogging insurance only covers direct losses caused by water ingress. If the car stalls in water, immediately cut off the power and do not attempt to restart it. Call the insurance company to report the claim. They will send someone to inspect the vehicle's location and water immersion traces to verify whether it was accidental rather than intentional. If it is confirmed to be accidental waterlogging, the compensation includes cleaning the interior and repairing water-damaged components such as the air conditioning system or electronic modules. However, damage caused by forcibly starting the engine after water ingress is not covered, as this is listed as an exclusion clause in the policy. I've learned my lesson and now check the policy details every year before the rainy season to avoid any mishaps.

[DeRiley]

My car was flooded up to the doors two years ago. I panicked at the time but handled it immediately, which led to a smooth claims process. Actually, water damage insurance claims are straightforward: after the engine stalls, don't move the vehicle, and immediately take photos of the water level and car condition as evidence. Then call the insurance company's hotline to report the situation—they usually send an adjuster the same day. After professional assessment, as long as the damage is caused by water, the repair costs will be covered. In my case, the soaked interior was compensated for several thousand yuan, and the whole process went smoothly. Just remember not to restart the engine, otherwise things get complicated.