Is Water Wading Coverage Included in General Auto Insurance?

[MacGenevieve]

General auto insurance does not include water wading coverage. Below is an introduction to auto water wading coverage: 1. Definition: Water wading coverage is a newly derived type of auto insurance, mainly referring to an additional coverage purchased by the vehicle owner for the engine. It primarily provides compensation for engine damage caused by driving through waterlogged roads or after the vehicle is submerged in water. 2. Compensation Conditions: The insurer is responsible for compensation according to the insurance contract if the insured or their legally permitted driver causes damage to the insured vehicle's engine under the following circumstances during the use of the insured vehicle: the insured vehicle's exhaust pipe or intake pipe is submerged during heavy rain or flooding, and the driver continues to start the vehicle or uses inertia to start the vehicle; or the vehicle is started without necessary treatment after being exposed to heavy rain or flooding.