Will a car with water wading insurance be compensated for a new car if it is flooded?

1 Answers
DelBraxton
07/29/25 8:44pm
If a car has water wading insurance, it will not be compensated for a new car if it is flooded. This is because the car itself depreciates, and water wading insurance only covers engine damage. Below are the relevant details about car water wading insurance: 1. Precautions: If the engine damage is caused by human actions, the insurance company will not compensate even if water wading insurance is purchased. Human actions refer to the engine damage caused by the owner attempting to restart the car after it stalls in water. 2. Coverage: Rescue costs, cleaning costs, electrical losses, and interior component losses. Comprehensive car insurance only compensates for rescue costs, cleaning costs, electrical losses, and interior component losses after the car has been in water, while water wading insurance only compensates for engine damage. All insurance companies have an absolute deductible rate of 15%-20% for water wading insurance. Even if comprehensive car insurance, water wading insurance, and the no-deductible additional insurance for comprehensive car insurance are purchased, the maximum compensation for engine damage is 80%-85%.
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