What is the reason for no compensation in case of secondary ignition?
2 Answers
Damage to the vehicle caused by human factors is not covered by compensation. Below is relevant information about secondary ignition: 1. Introduction: When wading through water, if the intake is blocked by accumulated water causing the vehicle to stall, attempting to restart the engine is referred to as secondary ignition. 2. Precautions: It is important to note that even if the water on the road has receded, one should avoid attempting to restart the engine, as there may still be water in the intake pipe, and the electrical system may malfunction after being submerged. It is best to contact a towing company. Do not try to save on towing fees at the risk of greater losses. When towing, clearly communicate to the staff that the vehicle stalled while wading through water. For ease of towing, the towing company may shift the gear to neutral. Without understanding the situation, they might attempt to start the engine, so it is crucial to explain the situation clearly.
Having driven for decades, I've seen too many car owners make this mistake. Insurance companies won't cover secondary ignition mainly because if the car stalls after an accident and you try to restart the engine, it can easily worsen the vehicle's condition. For example, if the car stalls in water and water enters the engine, restarting it can compress the cylinders, bend connecting rods, or damage pistons. This is considered avoidable additional damage caused by the owner's operational error, and insurance companies set it as an exemption in their terms to prevent insurance fraud or human-induced risks. In practice, if the car stalls after an incident, don't touch the engine—contact rescue services directly. Always read your insurance manual to avoid unnecessary trouble and expenses, as replacing an engine isn't cheap.
