What is Auto Water Damage Insurance?
2 Answers
Engine water damage insurance refers to auto loss insurance, also known as engine special loss insurance. Below is a detailed introduction about engine water damage insurance: 1. Overview: Engine water damage insurance is a newly derived insurance type, serving as an additional coverage purchased by car owners for their vehicle engines. 2. Function: It provides certain compensation when the engine is damaged due to driving through waterlogged roads or being submerged in water. 3. Insurance Amount: Generally, the insurance amount for engine water damage insurance is 50,000 RMB. 4. Claim Method: Each claim under water damage insurance is subject to a 15% absolute deductible rate. Compensation is provided within the insurance amount based on actual repair costs. When the cumulative claim amount reaches the insurance amount during the policy period, the insurance liability terminates.
A few days ago, my car was submerged in floodwater during a heavy rainstorm, and the engine got damaged. Fortunately, I had purchased wading insurance, which saved me from spending a fortune on repairs. To put it simply, this type of insurance is an add-on that specifically covers damage caused by driving through water or submersion, such as engine flooding or electrical system failures. It’s usually not included in standard auto insurance and requires an additional fee, making it especially useful in rainy southern regions—like when driving during typhoon season and encountering deep water. I recommend evaluating whether your city is flood-prone before the rainy season and getting a policy for peace of mind. When filing a claim, remember to take photos as evidence for the insurance company and avoid driving through water recklessly to prevent safety hazards. After all, an engine repair can cost tens of thousands, while this insurance only costs a few hundred a year—totally worth it.
