Many car owners have had such confusion，I bought "full insurance"，But why can't the vehicle get claims when wading? This，Capture officers of multiple insurance companies expressed to people's finance，The so -called "full danger"，It is a common known as consumer and auto sellers， "Full Danger" does not mean full insurance，Only more types of purchase insurance、The collective referred to the comprehensive auto insurance。

It is understood，"full insurance" of auto insurance generally refers to traffic compulsory insurance、Vehicle loss insurance、Not allowing compensation insurance、Third Party Liability Insurance、Car personnel liability insurance、All car theft of rescue、scratch insurance、Glass damage and other risks alone，Often can effectively prevent most losses after purchasing，So commonly known as "full insurance"。

It is worth noting that，"Full insurance" can achieve claims when the vehicle is wading。According to the explanation of insurance claims officers，If the vehicle is soaked in water in the static state，If the vehicle is parked on the roadside or underground garage，Due to the deep stagnant water, the vehicle is in water。As long as the engine does not get water，Replace only parts、Repair circuit, etc.，All belong to the guarantee scope of the "full insurance" Chinese car damage insurance。

Even the flood will flood the body，Causes full car loss，Insurance companies can also be compensated by full loss。Drive or start in the water to cause engine damage，It is not insurance liability，Can't get the corresponding claims。

If the owner wants to get compensation for the loss of the engine water，You need to buy the additional insurance of the car damage insurance -wading insurance。Water -related insurance is also called "special loss insurance"，It is an additional insurance for car damage insurance，In addition to other losses of the vehicle，Payment of damage to the engine caused by wading。

Because the wading insurance is an additional insurance for car loss，If you do not buy a car damage insurance, you cannot buy the wading insurance alone。The higher the car price，The corresponding premium of the water -related insurance is also more expensive。Under the premise of car damage insurance，The premium of the water -related insurance is 5%of the car loss insurance。If a household car priced at 150,000 yuan as an example，The water -related insurance of this car is about 100 yuan。

So，I bought the wading insurance，Can the car make a full claim when the car is in the water? According to reporters，Water -related insurance is an additional insurance purchased by the owner for the engine，Insurance vehicles can be compensated when the water is waded or flooded after being driving in the water pavement.。

but，If the engine is in water，The engine scrap caused by artificial operation，The owner will not get compensation for water -related insurance。

Here，Insurance claims specially reminded the owner，Usually，If the vehicle is turned off in the water，50%of the possibility will cause the engine to damage; but if it is turned off, it will be launched again，So the engine must be "scrapped"。

So，Male owners must pay attention，Do not launch again after the car is waded。Some insurance companies will also use the second launch of the water to turn off the water as the exemption clause for the water -related insurance，That is to say，If the car is flooded，The owner also tried to launch it in the secondary，The engine damage caused by it，Even if it is on the wading insurance，No compensation is not paid。

In addition，Whether it is driving in rainwater entering the vehicle's air intakes, causing flames，still vehicles stopped in the community/basement/street by the rain were not in the air.，Just ignite the launch vehicle，Cause of damage to the engine，It belongs to the provisions of "losses" in the liability of Article 10 (3) of the liability of the car damage insurance，According to the terms，The additional insurance clause has not been exhausted，Taking the main insurance clauses，Therefore, in this case，Even if the engine is purchased, the engine wading loss insurance，Can't make claims。

So，When the owner is driving in the heavy rain typhoon weather，Under the circumstances that can be passed，It is best to pass slowly at low transmission，Do not loosen the throttle and shift when driving，Otherwise，It is easy to cause the exhaust pipe to water in the water and cause the engine to water damage。If the surrounding water level is close to 2/3 of the wheels，Don't pass forcibly。If the vehicle is unfortunately flooded，Do not habitually fire to start，Driven caused by flooding in a static state，As long as the vehicle is insured, the vehicle loses the basic insurance，All belong to the compensation scope of the insurance company。

It is understood，After the reform of commercial auto insurance rates，Unified standards for the insurance industry，The absolute deductible amount of the water -related insurance is reduced from 20%to 15%，That is to say，When the car is in a wading failure，Insurance companies have risen from 80%of the previous compensation to 85%of the amount of vehicle loss，The remaining 15%need the owner to afford it by themselves。but，If you buy a car damage insurance、Water -related insurance、，Accident loss can achieve full payment。

Vehicle loss caused by abnormal weather such as typhoon heavy rain，will cause the number of car insurance reports to increase rapidly in the short term。Many insurance companies will also simplify the claims procedure，Let the owner get the claim as soon as possible，But the scientific claims steps are still the guarantee for the owners to obtain the loss of losses。

The first step: Do not move the vehicle first, find your vehicle insurance policy

The owner should check whether they buy car damage insurance and other additional insurances for the first time，If the car is during the insurance period，Report to the insurance company within 24 hours。

Step 2: Makes the meteorological proof
About this，In fact, after advocating simplify the claims procedure，Many insurance companies do not require car owners to provide。If the careful car owner，You can also leave a report from the relevant media as a claim certificate。

Step 3: Accept the survey fixed loss
Insurance companies will arrange staff to investigate nearby，Take pictures of the damage to the vehicle。

Step 4: Provide relevant documents
During the survey process，You need to provide the staff with the owner's ID card、motor vehicle driving license、Positive copy of the motor vehicle driving license、The owner's bank card，Staff needs to take pictures。

Step 5: Repair after the survey
After the program is over，The owner can send the vehicle to the maintenance agency or 4S shop for repair，Delivery before repair，It is best to collect important items in the car，The cost will be paid by the owner first，Then wait for the compensation fee for the insurance company。