What Insurance to Buy for a Flooded Car?
2 Answers
For a flooded car, purchase water damage insurance and engine insurance. Below is an introduction to car insurance: 1. Introduction: Vehicle insurance (also known as motor vehicle insurance or auto insurance, referred to as car insurance) is a type of property insurance that covers the vehicle itself and third-party liability. It compensates for personal injuries or property damage caused by natural disasters or accidents involving motor vehicles. 2. Main Types: Vehicle insurance can be divided into commercial insurance and compulsory traffic insurance. Commercial insurance further includes primary vehicle insurance and additional insurance. The primary clients of vehicle insurance are legal entities and individuals who own various motor vehicles. 3. Origin: Foreign car insurance originated in the mid-to-late 19th century. At that time, with the emergence and development of automobiles in some European countries, accidents and property damage caused by traffic accidents increased. Despite various regulatory measures implemented by different countries, the use of automobiles still posed a serious threat to people's lives and property safety.
I've been driving for over twenty years and have experienced multiple instances of vehicle flooding. After a car is submerged, the repair costs can be shockingly high, which is why flood insurance is a must when purchasing car insurance. It's an additional coverage specifically for damages caused by floods or heavy rain. Basic insurance like compulsory traffic insurance doesn't cover this—only commercial insurance with flood add-ons or comprehensive coverage will. I always emphasize to beginners to clarify the terms with the insurance company, including the electrical system, to avoid disputes during claims. Never start the engine after flooding, or the insurer might deny the claim. Parking wisely is also crucial—choose higher ground to avoid waterlogged areas, strengthening overall protection.
