Is Water Damage Insurance Included in Compulsory Insurance?

[Amy]

No, water damage insurance falls under the category of vehicle damage insurance. Below is a detailed introduction to engine water damage insurance: 1. Overview: Engine water damage insurance is a newly derived type of insurance, serving as an additional coverage that car owners can purchase for their vehicle's engine. 2. Function: It provides certain compensation when the engine is damaged due to driving through waterlogged roads or being submerged in water. 3. Compensation Method: Each claim under water damage insurance is subject to a 15% absolute deductible. Compensation is based on the actual repair costs within the insurance amount. When the cumulative claim amount reaches the insurance limit during the policy period, the insurance liability terminates.

[DawsonLynn]

A few days ago, I was driving in a heavy rainstorm, and my car got waterlogged and damaged. It wasn't until I filed an insurance claim that I realized compulsory insurance doesn’t cover water damage at all. Compulsory insurance is just what the government requires you to buy, specifically covering compensation for the other party’s injuries and vehicle if you hit someone, but it doesn’t cover your own car’s damage. Water damage coverage has to be added as an endorsement to the commercial auto insurance’s vehicle damage insurance—only then can you claim for flood damage during rainy seasons, and even then, it depends on the situation. For example, if the water didn’t rise above the car’s floorboard, you might only get reimbursed for cleaning fees. Fellow drivers who’ve been through this like me should check their policies before the rainy season. If you’ve added water damage coverage, avoid starting the engine after waterlogging to prevent further damage—contact your insurer for repairs right away. Safety first: pay attention to weather forecasts and avoid waterlogged roads to save yourself hassle and money.

[AmeliaFitz]

My new car has only been driven for half a year. The insurance salesperson previously said that compulsory insurance is mandatory but offers very limited coverage. Upon checking, I found it indeed doesn’t cover flood damage. Turns out, compulsory insurance only covers third-party liabilities, such as damaging someone else’s car or injuring people, and doesn’t cover your own car getting ruined by flooding. Water damage insurance is an additional option under commercial insurance, usually attached to the vehicle damage insurance. It’s usually not very useful but becomes invaluable during the rainy season. I suggest car owners ask more about the details from insurance companies to avoid pitfalls, and it’s safer to avoid driving through waterlogged areas. By the way, checking if your car’s seals are aging is also a preventive measure to avoid water seepage.

[SanAna]

When selling insurance, we often encounter customers asking about the coverage of compulsory insurance. It's important to clarify that it only covers third-party liability, such as compensating others for accident damages, and does not include specific coverage like water damage insurance for the vehicle's own losses. Water damage insurance is an optional add-on under commercial auto insurance, covering repair costs if the car is flooded. It's advisable to opt for comprehensive commercial insurance when purchasing a vehicle, especially in areas prone to heavy rain, where adding water damage insurance can save a lot of hassle. To prevent damage, drive slowly through accumulated water and avoid rushing through it.