What Insurance to Buy for a Flooded Vehicle?

[VanCorbin]

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.

[MacLeo]

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.

[VonColton]

Last time my car got flooded in a heavy rainstorm, and water entered the engine. The repair cost nearly 20,000 yuan, which was a real lesson. I then realized that relying solely on basic vehicle damage insurance isn't enough—additional coverage like water ingress insurance is essential. Now, I spend a few hundred yuan more each year on this insurance, which gives me much more peace of mind. Don't make the same mistake I did; the consequences of water damage can be severe, including short circuits and moldy seats. I recommend adding water ingress insurance before the rainy season arrives—it's easy to do online or at a service center. When filing a claim, remember to note the time and location and take plenty of photos. Prevention is also crucial: park on higher ground and check weather warnings before driving. Spending a small amount on insurance can help avoid significant losses.

[SanEmma]

After a car is submerged in water, the key insurance option is the waterlogging insurance. It covers engine damage and the cost of repairing internal components. I often remind my friends: basic car damage insurance only covers external losses, so you need to purchase additional waterlogging coverage. Applying for it isn’t difficult; choose a reputable company like Pacific Insurance. After submersion, handle it safely: don’t drive to avoid further damage. When purchasing, check the contract details to ensure it includes coverage for heavy rain and water accumulation. The annual premium is just a few hundred dollars, much cheaper than repair costs. Regular maintenance checks on seals can help reduce risks.

[DeHarmony]

If your vehicle is flooded, purchasing water damage insurance is the most cost-effective option. I've done the math: flood repair costs can run into tens of thousands, while the insurance premium is only about five or six hundred per year. The risk of not having insurance is significant, especially if the engine gets flooded and becomes completely unusable. Comprehensive insurance is the foundation, and adding water damage coverage makes it more complete. I recommend comparing quotes from several insurance companies, such as using online comparison tools to find the best value option. In case of flooding, report to the insurance company immediately, and providing evidence can expedite the claim process. For prevention, check the drainage system before the rainy season, and don't skimp on insurance to save money. Spending money on protection is worth it.