What is the coverage of water damage insurance for flooded vehicles?
2 Answers
Regarding the compensation for water damage insurance, different insurance companies have varying coverage scopes due to the use of different auto insurance clauses. Currently, there are three main types of auto insurance clauses used in China: A, B, and C. 1. Type A and Type C: Under Type A and Type C water damage insurance provisions, compensation is provided for vehicle damage incurred while driving through waterlogged roads, regardless of whether the engine stalls or is restarted. 2. Type B: Type B stipulates that compensation is only provided for engine damage caused by flooding or driving through water. Therefore, if the engine is damaged due to restarting, insurance companies using Type B clauses will not compensate. 3. Other considerations: Almost all insurance companies impose a 20% absolute deductible rate for water damage insurance. This means that regardless of whether the policyholder has purchased a waiver of deductible, the compensation for water damage insurance will be discounted by 20%. Water damage insurance (also referred to as engine special insurance by some insurers) is a derivative insurance beyond standard auto damage insurance. This is because standard auto damage insurance typically excludes engine water damage, making water damage insurance an additional coverage specifically designed for engine protection. After purchasing water damage insurance, the insured vehicle will be compensated for engine damage caused by driving through waterlogged roads or being submerged in water.
A buddy of mine had his car flooded in a heavy rainstorm, but his water damage insurance covered the repair costs, including engine cleaning, circuit board replacement, and interior dehumidification. The key point is, insurance typically covers natural disasters like floods, but if you drive through a deep puddle and the car gets flooded, it usually won’t be covered. When filing a claim, take photos immediately, turn off the ignition, and don’t restart the car—otherwise, further damage could cost you big. Always try to park on higher ground, and check your tires’ drainage performance during the rainy season to reduce risks. When choosing insurance, read the fine print to ensure coverage for natural disaster-related flooding, and consider adding water wading coverage for extra security. Don’t skimp on insurance only to end up unable to afford repairs—safety first, right?
