Is There a Water Wading Insurance for Cars?
1 Answers
Car insurance includes water wading coverage. After the auto insurance reform, water wading insurance has been incorporated into the vehicle damage insurance, so comprehensive insurance includes water wading coverage. The auto insurance reform policy was issued on September 22, 2020, and the implementation time may vary among insurance companies. If you purchased car insurance during this period, it is best to consult with the insurance company to confirm whether it falls under the post-reform coverage. Water wading insurance primarily covers engine damage caused by driving through waterlogged roads or being submerged in water. It also includes vehicle damage resulting from collisions, falling objects, collapses, storms, heavy rain, floods, earthquakes, mudslides, landslides, and other similar incidents. Therefore, whether the car is parked in an underground garage, stranded on a flooded road due to heavy rain, or submerged due to natural disasters like floods or typhoons, the vehicle damage insurance is responsible for compensation—except for engine damage caused by restarting the vehicle after submersion. Cases where water wading insurance does not provide coverage: engine damage due to restarting the vehicle after submersion; damage or repairs caused by incidents outside the scope of the auto damage insurance liability; repairs conducted at non-insurer-approved repair shops resulting in substandard repair quality; delays in vehicle repairs caused by the policyholder or driver.
