What is Auto Flood Insurance?

[VonGage]

Auto flood insurance, officially known as Vehicle Water Driving Loss Insurance, is a specific coverage that compensates for engine damage caused by water submersion. Only vehicle owners who have purchased flood insurance can receive corresponding claims from the insurance company when encountering engine water ingress and resulting malfunctions due to wading through water. Below are the coverage scope of flood insurance and situations where claims are not covered. Coverage scope of flood insurance: When the insured vehicle is submerged up to the exhaust pipe or intake pipe due to heavy rain or floods, and the driver continues to start the vehicle or uses inertia to start the vehicle. Starting the vehicle without necessary treatment after experiencing heavy rain or floods. Situations where flood insurance does not cover: Engine damage caused by a second start is not covered. Damage or repairs to the insured vehicle due to accidents outside the coverage scope of the auto damage insurance are not covered. Repairs conducted at non-insurer-approved repair shops resulting in re-repairs due to substandard repair quality are not covered. Losses caused by garage flooding fall under auto damage insurance, not flood insurance.