What Insurance to Buy for a Flooded Vehicle?
2 Answers
For a flooded vehicle, purchase water damage insurance and engine insurance. Below is an introduction to auto 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 main clients of vehicle insurance are legal entities and individuals who own various motor vehicles. 3. Origin: Foreign auto 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.
After a vehicle is waterlogged, purchasing water ingress insurance is the most reliable option. As someone who regularly follows car maintenance, I know that water ingress insurance is an add-on to the comprehensive car insurance, specifically covering losses like engine flooding and electrical circuit damage caused by water. Many car owners realize during the rainy season that basic comprehensive insurance isn’t enough when their cars get submerged, leading to hefty repair costs. I recommend directly contacting insurance companies to purchase this coverage—companies like Ping An or PICC offer these options, with premiums around a few hundred yuan per year, potentially saving tens of thousands in repair fees. When purchasing, confirm the coverage scope, including scenarios like heavy rain and floods. If your car gets waterlogged, stop immediately, avoid starting the engine, take photos for evidence, and contact the insurer for claims. Regularly check the vehicle’s sealing performance and avoid parking in low-lying areas. If you encounter a flooded road, detouring is safer—don’t risk driving through it.
