What Insurance is Needed for Water Damage from Rain in Auto Insurance?
1 Answers
For water damage from rain in auto insurance, you need Vehicle Damage Insurance. 1. Insurance Regulations: According to the relevant provisions of China's motor vehicle insurance clauses, vehicle losses caused by natural disasters such as heavy rain and floods fall under the insurance liability of Vehicle Damage Insurance in commercial auto insurance. Therefore, expenses incurred after a vehicle is submerged, including rescue costs, cleaning fees, electrical losses, and interior damage, are all covered by Vehicle Damage Insurance, and the insurance company should provide compensation. 2. Water Wading Insurance: A newly derived type of auto insurance, this coverage is mainly an additional insurance purchased by the car owner for the engine. It primarily provides compensation for engine damage caused by driving through waterlogged roads or being submerged in water. However, if the car owner forcibly starts the engine after submersion and causes damage, the insurance company will not compensate.