What is the claims method for water-damaged vehicles?
2 Answers
Claims for water-damaged vehicles are covered under water ingress insurance. Only engine damage caused by submersion due to water ingress falls within the compensation scope of water ingress insurance. Engine damage caused by other reasons is not covered under water ingress insurance. Below is a detailed introduction to auto insurance: 1. Overview: Vehicle insurance, also known as motor vehicle insurance, or auto insurance for short. It refers to a type of commercial insurance that covers liability for personal injury or property damage caused by natural disasters or accidents involving motor vehicles. 2. Development: Auto insurance is a type of property insurance. Within the field of property insurance, auto insurance is a relatively young category. Auto insurance emerged and developed alongside the appearance and popularization of automobiles.
Last week, I drove out during a heavy rainstorm and didn’t notice the deep water on the road. Suddenly, the car stalled in the water. I immediately realized not to restart the engine to avoid further damage from water ingestion. I called my insurance company to report the incident and took photos of the flooded car and water level as evidence. After the tow truck arrived, the car was taken to a 4S shop for inspection, which revealed some corrosion in the wiring due to water ingress. Several parts were replaced, costing over 5,000 yuan. Since I had comprehensive auto insurance coverage, the claims adjuster verified the damage on-site and reimbursed 80% of the cost, leaving me to cover the deductible. I recommend checking the wipers and drainage system before the rainy season to prevent blockages, and considering adding water damage coverage to avoid high out-of-pocket expenses. After driving through water, the interior may develop mold, so a thorough cleaning and drying are essential—safety first, don’t skip the hassle.
