The severe rainstorm disaster in Henan’s history has caused great losses to Henan. When the heavy rain recedes, post-disaster reconstruction is an important link. A large number of cars soaked in water has caused serious losses.
According to incomplete statistics from the China Banking and Insurance Regulatory Commission, as of the evening of July 21, major insurance institutions have received nearly 40,000 reports on automobile insurance, with an estimated loss of nearly 1 billion yuan.
So what should be done after the vehicle is soaked in water?
First of all, the water truck must not be started, otherwise the air intake system will suck into the engine, causing engine damage. Especially when driving in a flooded area, the engine is turned off and must not be started again. Otherwise, the insurance company can refuse to pay.
Then, when we ensure our safety, we will cut off the power of the car and take photos and collect evidence in time to report insurance.
If conditions permit, transfer the soaked water to a dry and safe place for water removal to avoid further losses. Wait for the insurance company to conduct insurance damage determination and repairs.
0 The compensation judgment for purchased insurance can be roughly compared with the following points.
1. If a vehicle with vehicle damage insurance is flooded when the vehicle is still, the insurance company will pay all the repair costs;
2. If the car is flooded during driving and restarting the vehicle directly leads to the engine being scrapped, the insurance company will generally not compensate;
3. If the vehicle is seriously damaged and the vehicle is registered for scrapping, the vehicle does not need to be repaired. The insurance company will generally give a fixed compensation for total damage.
Add a little car news every day. I am Che Chejia, the back-auto market service consultant around you. (The pictures and texts are from the Internet and do not represent the position and views of this account.)
