Will the car be compensated if it is flooded without purchasing wading insurance?
3 Answers
If wading insurance is not purchased and the insurance was taken out before the comprehensive reform of auto insurance was officially implemented, then the vehicle will not be compensated if it is flooded; if the auto insurance was taken out after the implementation of the comprehensive reform, as long as the vehicle damage insurance is purchased, it will be compensated. The following is a related introduction to the classification of flooded vehicles: 1. Flood level one: The water just reaches the vehicle chassis, the vehicle floor may get damp, but the possibility of a large amount of water entering is low, and the impact on the vehicle's electrical equipment is small. 2. Flood level two: The water reaches half of the wheels. Due to the incomplete sealing of the vehicle, water will begin to enter the interior. For lower cars, the water level inside may affect the adjustment motors of the seats and electrical components such as heating and ventilation. 3. Flood level three: The water almost completely submerges the tires. At this time, the water level inside the vehicle will completely submerge the seat cushions and the central armrest area, while affecting a large number of electrical devices.
Last summer, there was a heavy rainstorm in our area, and my neighbor's car parked on the roadside got flooded. He had never purchased water damage insurance, so when he went to the insurance company to file a claim, he was directly refused. They explained that the car damage insurance only covers direct losses caused by accidents or natural disasters, excluding situations like water submersion or flooding. He had to pay out of pocket to repair the engine and interior, costing nearly 10,000 yuan. The key issue is that water damage to electronic components often leads to malfunctions and is difficult to repair. This incident served as a wake-up call for me, especially for friends living in low-lying areas. Before the rainy season, it's essential to check your insurance policy. Water damage insurance is an add-on, inexpensive but can save a lot of money in critical moments. Don't take chances—flooding not only affects safety but also disrupts daily commutes. It's always a good idea to ask your insurance advisor during regular maintenance checks. Prevention is better than regret.
I've been driving for over ten years. I remember once on a business trip, heavy rain suddenly poured down, flooding the road to the point where the water level exceeded the wheels, causing the car to stall directly and soaking all the internal circuits. Back then, to save money, I didn't purchase water damage insurance. The insurance company took one look and said this wasn't covered under the basic auto damage insurance, so a claim rejection was certain. I had to bear the full cost of repairs myself, nearly 8,000 yuan down the drain. Since then, I've insisted on buying this additional coverage, especially in high-risk areas during the rainy season, like the southern regions or low-lying areas. The cost of water damage insurance isn't high—just a few hundred yuan a year—but it can prevent significant losses. By the way, it's best to detour around flooded roads rather than forcing your way through, and make a habit of checking the weather forecast before driving. These small practices can help you avoid pitfalls and save money.
