How to Check if a Car Has Water Damage Insurance?

[BellaRose]

Call the insurance company's customer service hotline for inquiries. Provide your name and identification information as required, and the customer service representative will assist you in checking. Bring your ID to the insurance company's business outlet and inquire about policy information at the counter. Check policy information on the insurance company's website by providing the required identity information to view existing policies. Use third-party policy management tools to check existing policies online, where you can see the information of already purchased policies. Currently, there are various online tools available.

[MacRonan]

Last time my car was also flooded, and when I checked the insurance policy, I found that waterlogging insurance and natural disaster insurance are two different things. The most reliable way is to check the paper policy or the electronic policy in your email, focusing on whether there is the term 'engine special loss insurance' in the 'additional insurance' section. If you bought car insurance after September 2020, you need to be even more careful. After the reform, waterlogging insurance is actually bundled into the car damage insurance, but it only covers damage caused by driving into water. If the car is flooded while parked in the garage, it falls under the natural disaster insurance, which has completely different claim standards. Remember, never attempt to restart the engine after the car is flooded, or even the most expensive insurance won't cover it.

[MacWalker]

Once when helping a friend with a water-damaged car insurance claim, I realized many people don't know how to check their water submersion coverage. The most direct way is to call the insurance company's customer service with your license plate number, but avoid calling during heavy rain – the lines get so busy it'll make you question life. Nowadays, insurance apps can check electronic policies; just log in and search for 'coverage details'. One thing to note: water submersion insurance usually has a 20% deductible, and you need to purchase 'zero deductible' separately for full coverage. Here's a lesser-known fact: cars with modified exhaust pipes might get denied claims.

[VonElle]

Just finished dealing with my flooded car and realized two key points about water damage insurance: policy effective period and coverage scope. I used the keyword 'engine' to locate it in Alipay's policy package. Note that when water depth exceeds half of the tire height, insurers treat it as a total loss. Another pitfall: many policies list water damage coverage as 'Motor Vehicle Damage Insurance Additional Engine Damage Exclusion Clause', which is actually a reverse clause indicating you voluntarily waived water damage protection.