What does vehicle water wading insurance mean?

[JeffreyFitz]

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.

[MackenzieMarie]

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.

[VanBradley]

I learned the hard way about the purpose of this insurance. After my car got flooded, repairing the transmission and engine cost a fortune. The water damage insurance is specifically designed for this, especially for car owners in the south where the rainy season is long. However, it's important to pay attention to the insurance terms—if you force-start the engine after it stalls in water, it's usually not covered. Last time my car was flooded, just the cleaning cost me over 5,000 yuan, and luckily the engine didn't have major issues.

[CamillaDella]

Simply put, water ingress insurance covers engine damage caused by flooding. Many people don't realize standard auto insurance excludes this, only regretting it after an incident. After one heavy rainstorm, dozens of cars in our neighborhood got flooded - owners with water ingress coverage immediately filed claims. Crucial reminder: never attempt to start your engine in floodwater, or you'll be footing the repair bill yourself.