Henan's disaster has touched the hearts of everyone in the country. Although with the help of the whole society, Henan has transitioned from disaster to the stage of resumption of work and production after the disaster, the subsequent treatment is not easy.
Take automobiles as an example. According to data disclosed by the Henan Provincial Government Information Office, as of July 28, Henan insurance industry has received a total of 412,300 claims, with a preliminary estimated loss of 9.804 billion yuan; among which, Henan Property Insurance Industry has received a total of 226,400 claims, with an estimated loss of 6.412 billion yuan, and the estimated loss of auto insurance accounts for more than 65%.
In this regard, in response to the large number of water-soaked trucks caused by urban flooding, insurance companies and local traffic police departments jointly rescued the water-walking vehicles, unified the rescue and disposal of water-bearing vehicles, simplified the claims process, and launched the "three-free and continuous" service (no on-site inspection, no meteorological certificate, no free rescue, and direct compensation to the store after damage assessment). 11 rescue centers were set up in Zhengzhou alone.
I have to say that such a quick and effective solution is really amazing. However, unlike Henan's "special situation and special treatment", under the impact of the "typhoon season", all parts of the country are facing the possibility of heavy rainstorms, and water-soaked trucks will also appear frequently in the past two months. So in general, how do we define a water truck, how should we deal with a water truck, and is it worth buying? Today, let’s discuss it together.
First of all, there is no specific and authoritative grading standard in China for how to define whether a car is considered a water truck. Therefore, our understanding of whether a vehicle belongs to a water truck often comes from two aspects - the insurance industry and the used car industry. Below, we will introduce it based on the respective standards of these two industries.
First of all, the insurance industry standards are mentioned. For the insurance industry, as long as the vehicle causes damage to the engine water in wading and does not experience secondary ignition, it can be considered as a soaked water truck . Of course, if the vehicle causes similar direct losses due to heavy rain or flooding, it can also be considered a water soaking truck.
is different from the insurance industry standards. The used car industry standards will be relatively specific and can be divided into three levels to define.
water-soaking wheel, that is, the water-soaking trace reaches the bottom of the front seat audio . Although there are no major safety hazards after repair of this type of vehicle, after rainwater erosion and preparation, the firmness of the vehicle carpet is reduced; the gaps at the bottom of the vehicle are difficult to repair, which is prone to secondary rust. For pure electric vehicles, there is a possibility of injuring the battery.
water soaking wheel is usually the engine inlet or the water level exceeds the engine cover and enters the cockpit, and the water level reaches the lower end of the traditional gear lever . Soaking water to a vehicle to this level has seriously affected the operation of the audio and video equipment and fresh air system in the vehicle, which can easily cause cavity in the engine assembly, irreversible damage to the vehicle electronic equipment, breakage of the engine connecting rod and other parts, and irreparable rust in the structural parts of the vehicle. After repair and preparation, the fire will be shut down when you go on the road; because some mud and sand cannot be fully treated, the timing belt may break in extreme cases.
flooded truck, mostly refers to the water level that exceeds the top of the vehicle . Such vehicles are most harmful and can hardly be repaired. Safety hazards are very likely to occur after repairing and then going on the road, and they are usually directly scrapped. The reason why
industry standards are relatively specific is that they involve the acquisition and sale of vehicles. On the other hand, it is because the General Administration of Quality Supervision, Inspection and Quarantine and the National Standards Committee officially issued the "Technical Specifications for Used Cars Appraisal and Evaluation" on December 31, 2013, which requires that second-hand car appraisal and evaluation need to be evaluated whether there are any water marks.
There are only three ways to deal with water trucks: repair, resale, and scrap . Among them, insurance compensation is an important source of funds for the disposal of water trucks, so the attitude of insurance companies largely determines the flow of water trucks.Therefore, although the industry standards are more specific, we can only rely on general insurance industry standards to pay more compensation to ourselves.
And interestingly, although the insurance industry standards are general, insurance companies are relatively standardized in handling water trucks. On the contrary, second-hand car dealers with clearer industry standards have problems such as confusion and disorder in their attitudes and handling methods of water trucks. For example, the "soaking water truck renovation" we often encounter is one of the practical examples.
Moreover, if we choose to sell the vehicle to used car dealers, used car dealers will often make preliminary pricing of the vehicle according to industry standards based on 90%, 40% of the market price and scrap. Simply put, if your vehicle market second-hand price is 50,000 yuan, but is rated as a soaked water truck, then you can only get a price of 20,000 yuan, and some car dealers may further reduce the price on this basis.
Therefore, my personal opinion is that if your car is soaked in water, it is better to choose the insurance process first. If the insurance cannot obtain compensation and the negotiation fails, then consider resale or scrapping. Of course, for the moral level, scrapping is a good thing for you and me, but in terms of interests, resale is the best way to recover losses.
Let me first talk about the conclusion: Is it recommended to buy ? The reason why I can buy is that the money is in your hands, and I can't stop you from buying it. But from a personal perspective, even if it is a water-soaked cart, I don’t recommend you to buy it. The reasons are as follows:
Although the vehicle is waterproof, it is limited to the external waterproofing, and there are almost no waterproofing measures for the interior of the vehicle. This is like a waterproof mobile phone. You can still use it after soaking in water, which will naturally not affect resale. However, if the water enters the interior during the water soaking on your mobile phone, even if it does not affect the current use, it will cause the second-hand residual value rate to change. The same goes for cars. As long as the water enters the interior, even if there is no impact at the moment, hidden dangers are always buried. If it breaks out, it will be worth the loss.
Due to the lack of authoritative and specific regulations, water-soaking trucks are still a "honey-changing" existence in China. Therefore, there are many water-soaked trucks refurbished trucks in the typhoon season market every year. Therefore, if you have recently had the need to buy used cars, I personally recommend finding a reputable used car e-commerce platform and a large used car trading market . Even if there is a transaction dispute, the car owner's appeal can have a relatively good solution mechanism.
