What Insurance to Buy to Prevent Flooded Cars?
2 Answers
To prevent flooded cars, purchase vehicle damage insurance. Relevant information about vehicle damage insurance is as follows: 1. Definition: Vehicle damage insurance is a type of commercial auto insurance where the insurance company compensates within reasonable limits for damage to the insured vehicle caused by an insured accident while the vehicle is being used by the insured or an authorized driver. Vehicle damage insurance and third-party liability insurance are the basic types of vehicle insurance, primarily covering the loss of the insured vehicle and losses caused to third parties by the insured vehicle during use. 2. Coverage: The insurer is responsible for compensating for the loss of the insured vehicle caused by the following reasons while the vehicle is being used by the insured or an authorized driver: collision, overturning, falling; fire, explosion, spontaneous combustion (requires separate spontaneous combustion insurance); falling or collapsing of external objects; storms, tornadoes; lightning, hail, heavy rain, floods, tsunamis; ground collapse, ice collapse, cliff collapse, avalanches, mudslides, landslides, earthquakes; natural disasters affecting the ferry transporting the insured vehicle (limited to cases where the driver is accompanying the vehicle).
As a car owner with over a decade of driving experience, I truly understand how terrifying flood risks can be. Last summer, a heavy rainstorm left my car stranded halfway, with water flooding the engine and rendering it useless—the repair costs came close to 20,000 yuan. Since then, I immediately added the water damage rider to my commercial insurance, specifically covering flood-related damages. The premium for water damage insurance is quite affordable, usually just a few hundred yuan a year, which can save you from massive unexpected expenses. Remember, opting for comprehensive insurance when purchasing coverage is safer, as it includes full protection against floods and natural disasters. In daily driving, I avoid waterlogged roads and always park on higher ground—this dual prevention gives me peace of mind. Don’t wait until disaster strikes to regret it; this money is well spent.
