Car interior water ingress insurance claims, what insurance claims to buy for car water ingress

Water ingress into the car can be covered by insurance.

The insurance claim process varies from company to company, so it is recommended to check with your insurance company.

1 There are two types of insurance for insurance claims regarding water ingress into the vehicle. One is car damage insurance, and the other is engine special loss insurance. Therefore, if you do not buy water insurance, but if you buy car damage insurance, the insurance company should also pay the claim.

2 Special Engine Loss Insurance is also referred to as wading insurance. Among them, the scope of application of wading insurance is small, generally due to the various costs incurred by the engine entering the water under normal driving conditions, provided that the engine must not try to start the vehicle after the water penetrates, but there are relatively few people on this insurance, especially in the north.

3. Article 1 of Vehicle Damage Insurance: During the insurance period, the insurer shall be responsible for compensation for the loss of the insured vehicle caused by the following reasons in the process of using the insured vehicle by the insured or its permitted legal driver in accordance with the provisions of this insurance contract. The fourth of these mentions:

Lightning strikes, storms, tornadoes, torrential rains, floods, tsunamis, subsidence, ice subsidence, cliff avalanches, avalanches, hailstorms, mudslides, landslides.

4 After the car is flooded, the owner should contact the car insurance customer service as soon as possible (within 24 hours) for the record, so that the car can be assessed and then claimed. At that time, I took a picture of the ** when the car was flooded to keep it. Also, it's a good idea to keep a newspaper that reports the day's heavy rain or a certificate that can explain the day's weather.

After contacting the car insurance unit normally, they will have staff to deal with it, but if not, you can find the nearest car insurance service point, and they will give you a list of repair costs and the scope of the claim, as well as the materials needed for the claim processing.

1.There is car damage insurance, and the car is parked in a flooded state. The insurance covers the full amount of the repair.

2.There is car damage insurance, but the car stalls and is flooded while driving through water. If there is wading insurance, the insurance will pay for it. If there is no wading insurance, only the part except for the launch of the Oeji Celebration will be covered.

3.After the vehicle wades into the water and turns off, start the ride again, sorry, this part does not care about any insurance.

So, once the vehicle is flooded, don't fire it again! It's best to find a professional company to come to the rescue!

There are two types of insurance related to vehicle wading, one is the most common car damage insurance, and the other is called engine special loss insurance, commonly known as wading insurance. Among them, the scope of application of wading insurance is small, generally due to the various expenses incurred by the engine entering the water under normal driving conditions, provided that the engine must not try to start the vehicle after the water penetrates, but there are relatively few people on this insurance, especially in the north, so it is important to talk about the conditions that need to be met for claims through car damage insurance.

Heavy rainstorms have met the conditions of natural disasters, so basically all the losses of the vehicle can be covered by car damage insurance. If the vehicle is soaked in water, as long as the engine is not flooded, just replace parts, repair circuits, etc., it is covered by car damage insurance. Even if the entire car is completely damaged by a rainstorm, the insurance company can compensate according to the total loss.

However, in one case, the insurance company will not pay compensation. That is the damage caused by the owner of the vehicle still forcibly starting the vehicle after the vehicle is flooded. If the road is flooded, the insurance company will not compensate for the loss of the vehicle caused by the car owner still wading in the water in the event of a foreseeable breakdown.

But most car owners are not aware of this regulation. Therefore, it is necessary to remind the owner that when the vehicle is turned off in a rainstorm, do not start the vehicle again, but try to tow the vehicle out of the stagnant water, and report the case to the insurance company in time, and the insurance company staff will deal with it.

1 New car without insurance.

Some 4S shops do not have a place to park, so they have to park their cars in the spare places at will. If the location is low, it will become a flooded car or a blister car. Many 4S shops for new cars will not be insured, so there will be no claims for these cars.

Some 4S stores will give some insurance, and there will be a small number of claims, which is a drop in the bucket compared to the original price of the car.

2 Cars with only compulsory insurance.

Some car owners are confident in their driving skills, or they feel that compulsory traffic insurance is enough, so commercial insurance is not available at all. There is no compensation for a car with compulsory traffic insurance, if it is parked in a certain position and is blistered, even if other vehicles are scratched, it is only for the repair of the scratched position, and will not be repaired to the flooded place.

Many car owners only give the car compulsory traffic insurance and third-party insurance, so that even if a collision accident occurs, it is enough to compensate the other party. Such a car, if the rain is heavy and becomes a flooded car, the insurance company will not compensate, but can only consider itself unlucky and sell the car, after all, the maintenance is still relatively high.

Question: How to distribute the car when driving into the river.

Answer: If you have car damage insurance, you can pay for it. Of course, this also has to meet several conditions: the vehicle can not be ignited twice after wading, and the vehicle can be compensated within the insurance period and requirements, but the compensation may not reach 100%.

That is to say, only if you have car damage insurance can you make a claim for a flooded car in the later stage, and you can consult your own insurance company for details.

The same is true for tram claims. See if you don't have insurance.

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How do I pay if my vehicle is flooded?

There are three payout situations for a flooded vehicle:

First, if there is a car damage, the vehicle is flooded in the case of placement, and the commercial insurance will carry out full compensation for the maintenance payment;

Second, if there is a car damage, the vehicle is caught by fire and flooded during the driving process, and the commercial insurance shall bear the compensation if there is wading insurance, and if there is no wading insurance, only a part of the compensation except for the automobile engine;

Third, if the vehicle is flooded and the engine of the car is damaged due to forced operation, the commercial insurance will not pay for it. When the vehicle is flooded, the main thing is to take photos to leave direct evidence, and then immediately call ** to the insurance company to claim the police and apply for compensation.

The above are the three compensation situations of the vehicle being flooded, and the insurance company must immediately report to the insurance company after the vehicle has a safety accident.

Water ingress into the car can be covered by insurance.

Will the insurance company compensate the vehicle for wading in water? The old driver will give you an analysis.

1.There is car damage insurance, and the car is parked in a flooded state. The insurance covers the full amount of the repair.

2.There is car damage insurance, but the car stalls and is flooded while driving through water. If there is wading insurance, the insurance will pay for it. If there is no water insurance, only the part except the engine will be covered.

3.After the vehicle wades into the water and turns off, start again, sorry, this part does not care about any insurance.

So, once the vehicle is flooded, don't fire it again! It's best to find a professional company to come to the rescue!

Water ingress into the car can be covered by insurance.

As long as the owner has purchased vehicle damage insurance, the car can be sent to the insurance company after the water is flooded!

The insurance company will be responsible for the compensation for all or part of the loss of the motor vehicle due to damage caused by lightning strikes, heavy rains, floods, waterlogging, tsunamis, etc. This is an irresistible factor, as long as the vehicle is stationary, this is within the scope of the claim.

If the car suddenly stops while wading in the water, it will be forcibly ignited again, causing damage to the engine, and the insurance company will not be responsible for such damage.

The insurance company will not pay for the following cases:

1.Drunk driving and driving without a license are not compensated.

2.There is no compensation for damage caused by restarting the engine after water has entered. The insurance company believes that if the driver forcibly ignites the damage caused by the vehicle driving to the depth of the water and the engine is turned off, it is caused by improper operation and is not within the scope of compensation.

3.There is no compensation for the equipment installed by yourself. After buying a car, many car owners will install audio, refrigerator, rear wing, luggage rack and other equipment. However, in the event of a crash, the insurance company will not compensate for the additional equipment.

4.Some parts are stolen without compensation. If the whole car is not stolen, but only the parts such as tires, audio equipment, car logos, etc. are stolen, the owner can only consider himself unlucky.

The way to settle the claim for car water insurance: 1. In fact, when the vehicle is stopped on the side of the road or the underground garage is flooded, as long as the vehicle is not involved in starting the vehicle in the water, in this case, the car damage insurance can be claimed, and the vehicle damage insurance can be claimed.

2. If the owner of the car has purchased wading insurance for the engine (which is an additional insurance), then the insured vehicle can be compensated for the damage caused by the engine after wading on the waterlogged road or being flooded. However, if the owner of the car forcibly starts the engine after being flooded and causes damage, then the insurance company will not compensate;

3. However, although the scope of car damage insurance is extensive, some insurance companies stipulate that engine insurance needs to be insured with additional engine special loss insurance. This type of insurance company requires that the vehicle must be insured in advance for special engine loss insurance. Mock talk.

4. Wading insurance protects the loss caused by wading in water, and there is one in each insurance company, called engine wading loss insurance, such as vehicle damage compensation caused by wading in the vehicle during the driving of the Wangma circle.

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