Under what circumstances will wading insurance be claimed, and under what circumstances can wading i

Different insurance companies have different regulations, generally speaking, "wading insurance" has a 15%-20% deductible, that is to say, the insurance company only compensates 80%-85% of the vehicle loss amount, and the rest has to be solved by the car owner. Of course, there are also insurance companies that offer wading insurance without deductible, so you can get 100% compensation.

After purchasing water insurance, in the event that the vehicle is flooded, it is best for the owner to choose to actively turn off the engine in the water to avoid damage to the engine and other accessories caused by water entering and hitting the valve while driving.

In the case of ensuring personal safety, immediately report to the insurance company and ask them to come to the scene to assess the damage, or call the rescue vehicle to send the vehicle to the insurance company's damage assessment point for damage assessment. If you do not exceed the coverage provided for the water insurance, you will be able to receive the corresponding compensation.

Special Engine Loss Insurance: Also known as "wading insurance", this insurance can be applied to cars that are insured with car damage insurance. In other words, without commercial insurance main insurance, this cannot be covered.

In the event of a flooded vehicle, the damage insurance covers the damage to the vehicle except for the engine, while the resulting engine damage is only covered by the wading insurance. Responsible for the reasonable cost of the insured vehicle wading on a waterlogged road and wading in the water. Compensation is payable for damage to the engine caused by flooding.

However, if the owner of the vehicle forcibly starts the engine after being flooded and causes damage, the insurance company will not compensate even if the wading insurance is purchased.

Wading insurance is only available if the vehicle is simply flooded or subjected to heavy rain.

or damage to the engine caused by flooding before you can apply to the insurance company for compensation.

For example, in the case of a flooded vehicle, the company will compensate for the loss if it voluntarily turns off in the water. If the loss is caused by starting the car twice while wading in the water, then the insurance company will not compensate. Secondly, the loss caused by water ingress in the garage will not be compensated by the wading insurance, because it does not fall within the scope of compensation for wading insurance.

Wading insurance is a new derivative type of car insurance, which mainly refers to the additional insurance purchased by the owner for the engine. Car insurance.

Additional insurance includes full vehicle theft insurance, glass breakage insurance, vehicle suspension loss insurance, spontaneous combustion loss insurance, vehicle wading insurance, etc. Of course, the insurance company is different, the terms are not the same, you can check the terms and conditions of each insurance company when applying for insurance.

While having water wading insurance for your car can reduce your losses to some extent, in some cases where the car involves water, the insurance company may be reluctant to compensate you. In addition, wading insurance usually only compensates for engine losses caused by blisters and wading, and the specific situation should be analyzed on a case-by-case basis.

For example, in the case of the first wading and extinguishing of the ignition, this is covered by insurance, but if the extinguishing is caused by a forced restart, then the insurance company can choose not to pay, so do not ignite the ignition again after the ignition is extinguished.

There is no compensation for a vehicle without an annual inspection, but this is still rare. Generally, everyone will remember to do the annual inspection, but if they accidentally touch it, they can only admit that they are unlucky.

In addition, it is important to note that wading insurance is not a concept of full compensation. Under normal circumstances, there is an absolute deductible of 15%, and the insurance company may pay about 85%, try to avoid it.

Under what circumstances can wading insurance be covered? Let's take a look today.

1. In the parked state, if the car is parked on the side of the road and is flooded, placed in the underground garage and submerged, there is car damage insurance, the insurance company will pay for the maintenance, including lines, components, and seats, but the engine is not compensated; If there is car damage insurance, and there is also wading insurance, the engine can also be compensated.

2. In the process of driving, the vehicle is flooded due to wading and stalling, and there is no secondary ignition, and the car has wading insurance, and the insurance company is responsible for compensating all the vehicles, including engine payments and towing fees; If there is no wading insurance, the benefit other than the engine.

Expand the knowledge: how much can you pay for wading insurance

The amount of wading insurance is determined according to the amount of insurance insured, and can be claimed multiple times, but it cannot exceed the insured amount of car insurance, such as the insured amount of 50,000 wading insurance, which can be paid many times until 50,000 are compensated, and there is a certain waiver of odds for wading insurance, which is about 15%-20% of the deductible, that is, only 85% to 80% of the loss can be compensated, of course, if you attach no deductible, you can get more than 100% of the compensation.

Other Notes:

If the engine stalls after the vehicle wades in water, you must call the police and call the insurance company as soon as possible. If a second start is carried out after wading, it will bring greater damage to the engine. In response to this situation, most insurance companies do not pay compensation.

The above is today's sharing, I hope it can help you.

Wading insurance compensation is divided into the following situations:

1.When the vehicle is parked, if the vehicle is parked on the side of the road and is flooded, it is flooded in the underground garage. If there is vehicle damage insurance, the insurance company will pay for the repairs, including wiring, parts, and seats, but not the engine.

The engine can also be paid if there is vehicle damage insurance and wading insurance.

2.During driving, the car was flooded by wading due to wading stalling. If there is no secondary ignition, the insurance company is responsible for reimbursing all wading insurance, including engine funds and towing costs; If there is no wading insurance, compensation other than the engine.

3. The car wades and starts again after the ignition, that is, the second ignition, and the wading insurance does not compensate.

Wading insurance is also known as engine special damage insurance. Only if the engine of the vehicle is damaged due to flooding, heavy rain or flooding, can you apply to the insurance company for compensation. Wading insurance** is calculated based on age, value, and model.

1.In the case of parking, it is possible to pay for car damage: during the rainy season, the underground parking lots of some buildings are often flooded by rain due to improper drainage design.

In this way, many car owners have their cars soaked in rainwater. Whether it is the damage caused by water ingress into the body or the engine, even if the entire body is flooded by heavy rain, it is covered by car damage insurance. Therefore, the owner of the car should report the accident to the insurance company as soon as possible.

2.Answering type water insurance can be compensated during driving: The full name of water insurance is engine wading loss insurance, which is an additional property insurance purchased by the owner for the vehicle engine.

You need to purchase it on the premise of clearing your existing car damage insurance. Wading insurance can be applied to damage caused by engine wading into water. Engine wading damage insurance can also be purchased, and the insurance company will need to inspect the vehicle to determine whether it is covered.

The insurance period is 1 year, and its **is linked to the vehicle**. Wading insurance covers rental and sale losses caused by wading while driving. There is an add-on product in the insurance products of various insurance companies called engine wading loss insurance.

For example, compensation for damage caused by wading vehicles while driving. It is important to note that not all cases can be compensated after purchasing water insurance. If the owner of the car is flooded and forcibly starts the engine, causing damage, the insurance company will not compensate.

1.In the parked state, the water vehicle damage insurance can be compensated:

During the rainstorm season, due to the improper drainage design of the underground parking lots of some buildings, the rainwater often backs up, so that many car owners' cars are soaked in rainwater. In this case, whether it is the loss caused by water ingress inside the body or the engine, even if the entire body is flooded by heavy rain, resulting in a total loss of the car, it is also within the scope of the car damage insurance, and the car owner should report to the insurance company as soon as possible.

The full name of wading insurance is engine wading loss insurance, which is an additional property insurance specially purchased by the owner. Requires existing damage insurance. The claim clause for engine wading damage insurance can be applied to engine damage caused by the insured vehicle driving on a water-wading section or being flooded.

It is also possible to purchase engine wading damage insurance, and the insurance company will need to inspect the car to determine if it is covered. The underwriting period is one year, and its **is linked to the vehicle**.

Wading insurance includes losses caused by wading through water. There is also an additional product in the insurance products of various insurance companies, called engine wading loss insurance, such as compensation for damage to the vehicle caused by wading in the water during driving.

It is important to note that not all cases can be compensated after purchasing wading insurance. If the owner of the car is flooded and forcibly starts the engine and causes damage, the insurance company will not compensate.