Will the car be compensated if it is flooded without purchasing wading insurance?

[VonCarson]

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.