What Insurance Covers Water-Damaged Vehicles?
1 Answers
There are two types of insurance related to vehicle water damage: the most common one is auto damage insurance, and the other is engine special loss insurance, also known as water ingress insurance. Below are the relevant details: 1. Auto Damage Insurance: Currently, the primary insurance that covers natural disasters such as heavy rain is auto damage insurance. Since being soaked by rainwater due to heavy rain meets the conditions of a natural disaster, basically all vehicle losses can be compensated through auto damage insurance. 2. Water-Damaged Vehicles: The harm is significant. The engine and transmission of a water-damaged vehicle are generally soaked; if a vehicle is submerged in water, it can easily lead to rusting of body components. Such vehicles pose a high risk, with electrical circuits prone to short circuits, fires, and other accidents, shortening their lifespan. Even after repairs, serious hidden dangers remain, and the longer the soaking time, the higher the probability of faults occurring.