Every spring and summer, some cities on the mainland experience heavy rainfall, and a large number of cars are reduced to water soaking vehicles. This year, some cities on the mainland have ushered in heavy rainfall, and some car owners are more unlucky, parking their cars in lower places, and the cars at the good end are damaged by rainwater.
If the vehicle is damaged by rainwater, the internal circuit system will have problems, and if the engine is damaged, the vehicle will almost only be scrapped. There is a car owner in Henan whose private car was damaged by rainwater, this owner not only did not regret it, but felt very satisfied, his car was damaged by blisters and appreciated, what is going on?
Mr. Liu has a private car that has been driving for 8 years, and because the car is older and the car is in poor condition, it can no longer sell at a good price. In 2021, many cities in Henan encountered heavy precipitation, and Mr. Liu was lucky, he parked his car in a higher place, and the vehicle did not enter the water.
This year, Mr. Liu was worried about the local heavy rainfall again, and purchased wading insurance in advance. Not long after buying insurance, the local area suffered a heavy rainstorm, Mr. Liu parked his car in a lower place, a large amount of rain flooded the parking lot, and Mr. Liu's car became a water soaking car.
When the rainwater was completely discharged, Mr. Liu dragged his car to the repair shop for inspection. His car was soaked in rain for more than 20 hours, and the damaged circuitry system of the engine was completely destroyed. Since Mr. Liu purchased wading insurance, the insurance company will pay his car in full.
Mr. Liu's private car has been driven for 8 years, and no one has recycled it in the second-hand car market. This time his car was damaged by blisters, the insurance company lost more than 30,000 yuan, Mr. Liu is very satisfied with this result, his car suffered from rain soaking, not only did not depreciate but appreciated, than selling second-hand cars to make money.
Mr. Liu posted his experience on the Internet, and many netizens were very envious of him. Elderly old cars, if the car is not in good condition, almost can not be sold, Mr. Liu's car suffered from water, the insurance company paid in full, which is already the best ending.
Mr. Liu received 30,000 yuan in compensation, and he could add some money to buy a new car to minimize the loss. If Mr. Liu did not buy insurance, the car was damaged by blisters, and the insurance company may not pay a penny, and all the losses will be borne by the owner alone.
Is wading insurance useful?
Wading insurance refers to a type of insurance in which the insurance company pays for the engine after the loss caused by the vehicle wading in the water. Only after purchasing wading insurance and the engine is damaged by blisters, the insurance company will pay the compensation.
If you live in the north and there is less rain in the local area, it is best not to buy wading insurance. If your city is often hit by torrential rain every summer, it is very cost-effective to buy wading insurance. After the vehicle is damaged by blisters, it must not be started twice, otherwise the insurance company will refuse to pay.
The compensation scope of wading insurance is relatively wide, and in the course of daily life, the water flood caused by rain or the engine damage caused by the vehicle falling into the water can be paid by wading insurance. The vehicle is soaked in water, and if the engine is scrapped due to human operation, it will not receive water-related insurance compensation.
After purchasing wading insurance, it is best for the owner to purchase without deductible clauses. Because the deductible of car damage insurance is 20%, the insurance company will pay the full amount after purchasing the deductible, otherwise the owner himself will bear 20% of the cost.
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