Under What Circumstances Can Insurance Cover Water Damage Inside the Vehicle?

[StArcher]

Waterlogging insurance primarily covers compensation for engine damage caused by driving through waterlogged roads or vehicle submersion. Engine damage resulting from driving through water or vehicle submersion falls within the coverage of waterlogging insurance. However, it's important to note that if the engine stalls during water driving, avoid restarting the vehicle to prevent difficulties in determining liability during the claims process. Below are the main types of auto insurance: Compulsory Traffic Accident Liability Insurance (Mandatory by Law): This refers to the legally mandatory insurance stipulated by the "Regulations on Compulsory Traffic Accident Liability Insurance for Motor Vehicles." It is a compulsory liability insurance where the insurance company compensates for personal injuries, deaths, or property losses of victims (excluding the vehicle's occupants and the insured) caused by road traffic accidents involving the insured vehicle, within the liability limits. Motor vehicles not covered by this insurance cannot be registered by the vehicle administration department or inspected by vehicle safety inspection agencies. Third-Party Liability Insurance (Primary Coverage): This covers the financial compensation liability that the insured should bear according to law when a qualified driver causes direct property damage or personal injury to a third party while using the insured vehicle. The insurer is responsible for the compensation. Vehicle Damage Insurance (Primary Coverage): This compensates for the insured vehicle's own loss caused by natural disasters (excluding earthquakes) or accidents within the insurance liability scope, as stipulated in the insurance contract. This coverage is the opposite of third-party liability insurance, as the latter covers others, while vehicle damage insurance covers the insured's own vehicle. Theft and Robbery Insurance (Primary Coverage): If the vehicle is usually parked in secure parking lots and the commute routes do not include particularly secluded areas, one might consider not purchasing theft and robbery insurance. However, for vehicles in areas with poor security, without fixed parking spaces, or for models that are common and have high theft rates, this insurance is essential.