What does vehicle water wading insurance mean?
2 Answers
Vehicle water wading insurance means: 1. Vehicle water wading insurance: refers to the owner purchasing water wading insurance (a type of additional coverage) for the engine. 2. After the vehicle wades through water: If the insured vehicle causes engine damage due to driving through accumulated water or being submerged, compensation can be provided. Additional information: 1. Classification of auto insurance: Currently, auto insurance is mainly divided into two categories: basic insurance and additional insurance. Additional insurance cannot be purchased independently; it is an insurance added to basic insurance (such as third-party liability insurance, vehicle loss insurance, and compulsory traffic liability insurance). 2. Additional insurance includes: comprehensive theft insurance, standalone glass breakage insurance, vehicle parking loss insurance, spontaneous combustion insurance, vehicle water wading insurance, etc.
A few days ago, my neighbor's car got flooded, and that's when I realized that water ingress insurance specifically covers engine damage caused by water. Just imagine, if there's heavy rain and the water is too deep, you drive through it and the engine gets flooded and stalls—repair costs can easily run into tens of thousands. Regular car insurance usually doesn’t cover this kind of damage, but with water ingress insurance, you can file a claim. A crucial reminder: never attempt to restart the engine while it’s submerged. If the insurance company sees this, they might outright deny the claim, and the engine could be completely ruined from sucking in water.
