Will Insurance Cover Vehicle Water Damage During a Typhoon?
1 Answers
Insurance will cover vehicle water damage during a typhoon. The premium for water-related damage insurance is not high, and engine damage caused by water accounts for 20% to 30% of the total vehicle value. Regulations on vehicle compensation due to natural disasters: If the vehicle causes personal injury or direct property damage to a third party due to a natural disaster, third-party liability insurance must be activated for claims. Typically, auto insurance has a certain percentage of an absolute deductible, usually around 15%, which the insured must bear themselves. Therefore, when selecting insurance types, special attention should be paid to no-deductible coverage. Solutions for vehicle water ingress: Do not start the engine immediately. Attempting to start the engine at this time can cause water to enter the combustion chamber, leading to bending of the engine connecting rod and, in severe cases, serious damage to components such as the engine block. The correct method for driving through water involves first assessing the depth of the water. If the water does not exceed half the wheel height, it is safe to proceed; otherwise, it is not advisable to continue. Once entering a waterlogged area, reduce speed and drive slowly. For automatic transmission vehicles, use the first gear if possible, ideally entering snow mode to prevent wheel slippage. After exiting the waterlogged area, apply the brakes several times in succession to evaporate the moisture from the brake discs and avoid affecting the vehicle's braking performance.
