What is the difference between waterlogging insurance and wading insurance?
2 Answers
Here are the differences between waterlogging insurance and wading insurance: 1. Type: Wading insurance is an additional insurance and cannot be purchased separately; vehicle damage insurance is a main insurance and can be purchased separately. 2. Coverage: Wading insurance covers damage caused by engine water ingress, but does not compensate for losses caused by secondary ignition after wading; vehicle damage insurance covers property losses of the insured vehicle caused by traffic accidents, but does not compensate for engine water ingress, or separate damage to wheels and glass. 3. Claim probability: The claim probability for wading insurance is relatively small, while the claim probability for vehicle damage insurance is higher.
Oh, I usually drive to and from work, and I've thought about this insurance issue too. The main difference lies in whether the car is stationary or moving when the accident happens. Flood insurance generally covers situations where the car is submerged by floods, like being parked in a lot and getting soaked by rain—damage to the electrical system and interior might be covered. On the other hand, water wading insurance applies when the car is moving through deep water, causing engine damage, such as accidentally driving into a flooded pit and ruining the engine—this is what it covers. Why is it important? Last year during a flood here, a buddy of mine didn’t have water wading insurance, drove over a bridge, and his engine was totaled, costing him tens of thousands in repairs—he regretted it big time. My advice is to buy the additional coverage before the rainy season; don’t skimp on small costs. Talk to the repair shop during your car inspection to get clarity and avoid being scammed. In short, the difference boils down to these two areas—choose the right insurance based on your driving environment for safety and peace of mind.
