What is wading risk auto insurance?

1

what’s the use?

wading engine is directed to a loss of insurance business risks with additional risk due to flooding of the engine results in compensation for loss.

2

Cost Calculation

[123 ]

1, premiums

wading engine damage insurance premium is typically loss of vehicle insurance premiums 5 percentage wading engine damage insurance = percentage loss of vehicle insurance × 5

[123 ] Example: loss of vehicle insurance premiums car is 2000 yuan, then the vehicle engine wading loss insurance is: 2000 × 5 percent = 200.

2, claims algorithm

insured

General engine wading loss of insurance is $ 50,000, according to the actual repairs cumulative payment, during the period of insurance, total compensation amounted to the sum insured, the insurance responsibility terminated.

Note: the specific insured to the insurance company insuring prevail.

3

Did you know?

· engine damage insurance is commercial insurance wading additional risk, insured vehicle to vehicle damage insurance purchase.

· wading additional insurance risk corresponding to non-deductible, such asIf there will be a certain percentage of the dangerous condition deductible uninsured.

· wading insurance does not limit the number of dangerous condition, the cumulative amount of insurance indemnity amounted to a period of insurance, insurance terminated.

* after the engine stalled, the second start wading in motion the process leading to engine damage, wading insurance does not pay compensation.

· knowing ahead also serious water wading adventure, leading to engine failure wading insurance does not pay compensation.

4

Mistakes

does not belong to the following two engine wading loss insurance compensation range, but by the loss of vehicle insurance were paid.

· vehicles flooded in the parking garage or parking.

· traffic jam caused by rainstorm vehicle is submerged and is not forced to start the engine.

5

Further reading

[123 ]

Since the vehicle after the vehicle may need wading rescue trailer, so that sections of water through the automatic models, if the vehicle engine stall, the gear is preferably linked directly into the stopper from the D block N instead of P stop to prevent the gear is locked. Alternative models with ordinary handbrake hand brake to secure the vehicle, electronic parking brake, then it would be avoided to prevent the need to lift the time can not be released. Impact of vehicle recovery.

wading through driving the vehicle to a constant speed, this can ensure that the engine will not be damaged by water. andIf there is an obstacle because the road had to stop, we need to step on the gas neutral gear, try not to close the oil to prevent water causing the vehicle to stall. If the vehicle is equipped with automatic engine start-stop system, when you hit the brakes, the vehicle will automatically turn off. Turn off the heat, water will enter the engine along the exhaust pipe. If you then release the brake, the vehicle will automatically restart, leading to engine damage. So when wading driving. Recommend to turn off the automatic start-stop system.