Is There a Water Wading Insurance in Auto Insurance?
2 Answers
There is water wading insurance in auto insurance. If the insured wants to purchase water wading insurance, they first need to buy a main auto insurance policy, as water wading insurance is a type of additional coverage and cannot be purchased separately. If the insured buys comprehensive auto insurance, it will not include water wading insurance, but the specifics depend on the comprehensive insurance plan offered by the insurance company. Vehicle water wading insurance, abbreviated as water wading insurance, is officially known as Vehicle Water Wading Loss Insurance. It is specifically designed to compensate for engine damage caused by water submersion. Only car owners who have purchased water wading insurance can receive corresponding claims from the insurance company when their engines are damaged due to water wading. Since water wading insurance is an additional coverage, it can only be purchased after the vehicle loss insurance has been obtained. The correct steps to purchase water wading insurance are: first, buy compulsory traffic insurance, then commercial insurance, and finally, water wading insurance. The scope of application for water wading insurance: when the insured vehicle is submerged up to the exhaust pipe or intake pipe due to heavy rain or floods, and the driver continues to start the vehicle or uses inertia to start it. Also, when the vehicle is started without necessary handling after being exposed to heavy rain or floods. In these two cases, purchasing water wading insurance is necessary to receive corresponding compensation.
I've dealt with this type of issue before when working at an insurance company. After the recent auto insurance reform, water damage coverage has actually been incorporated into the comprehensive car insurance policy, so there's no need to purchase it separately. If you have comprehensive coverage, damages caused by heavy rain flooding or driving through deep water areas that result in engine damage are generally covered. However, it's important to note: never attempt to restart the engine after your vehicle stalls in water! The insurance company will likely deny claims for engine damage caused by such secondary ignition. I recommend regularly reviewing your comprehensive insurance coverage details, checking weather forecasts before traveling during rainy seasons, and avoiding driving through low-lying waterlogged areas. If you don't pay attention to these details, even with insurance you could still end up at a disadvantage.
