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 provides compensation 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 cars in some European countries, accidents and property damage caused by traffic accidents increased. Despite various regulatory measures implemented by different countries, the use of cars still posed a serious threat to people's lives and property safety.
Last summer, I experienced my car being flooded during a heavy rainstorm. At that time, I didn’t have sufficient insurance coverage, and as a result, I ended up spending a lot of unnecessary money on repairs. Now, I believe the most important thing is to purchase comprehensive car insurance, which covers flood damage. The insurance company will cover the repair costs, so don’t hesitate over the premium—it’s worth the peace of mind. Additionally, it’s essential to add water ingress insurance, specifically for engine damage caused by water. Many experienced drivers overlook this, but it’s actually wise to get it before the rainy season. Daily precautions are also important: avoid parking in low-lying areas and regularly check the drainage system. In short, securing proper coverage in advance is much better than regretting it later. If your car does get flooded, having insurance will save you a lot of trouble.
