How much does flooded car insurance pay and how does the flooded vehicle insurance company pay

Wading insurance is a new derivative type of car insurance, which mainly refers to the additional insurance purchased by the owner for the engine. It mainly protects the engine damage caused by the vehicle wading on a waterlogged road or being flooded, and compensation can be given. However, if the owner of the car forcibly starts the engine after being flooded and causes damage, then the insurance company will not compensate.

Additional insurance for auto insurance includes full vehicle theft insurance, separate glass breakage insurance, vehicle suspension loss insurance, spontaneous combustion loss insurance, vehicle wading insurance, etc. The insurance company will verify whether it meets the conditions for insurance claims and how much it can claim according to the actual insurance terms. If it is Ping An Insurance, it is recommended to call 95511-5 and follow the voice prompts to enter the manual service consultation.

According to the relevant provisions of China's motor vehicle insurance terms, the vehicle loss caused by natural disasters such as heavy rain and flood belongs to the insurance liability of car damage insurance in commercial auto insurance, therefore, the rescue costs, cleaning costs, electrical losses, and interior parts losses generated after the vehicle is flooded are all insurance liabilities of car damage insurance, and the insurance company should pay compensation, but for the water damage caused by flooding and secondary starting, the car damage insurance does not pay, and the wading insurance can be compensated. Wading insurance, also known as engine special loss insurance, can be compensated for engine damage caused by wading on a waterlogged road or being flooded, and the amount of compensation can be as little as a few hundred to tens of thousands. In addition, since car insurance terms generally have a deductible clause, if there is no "deductible special clause" if you do not insure, then the insurance company will compensate after deducting the deductible after the accident.

If the car owner is insured with car damage insurance, wading insurance and the deductible clause under both, within the scope of the liability of the relevant contract terms, the loss of engine damage caused by flooding or wading in water can be fully compensated.

Does the car flood insurance company pay.

1. If the parking is submerged, the insurance company can make a claim. If you park in a paid parking lot or library, you can negotiate with the parking lot or library, and if there is a mismanagement, you can also ask the parking lot and the library to bear part of the loss.

2. In addition to engine damage after the car wades in the water, it can be compensated by the commercial vehicle loss insurance. Such claims are not related to compulsory liability insurance and third party liability insurance. Engine damage is covered by an additional engine wading insurance.

The specific regulations of different insurance companies are different, so whether the compensation for the second ignition is also different, so it needs to be judged according to the regulations of the insurance company.

3. At present, the special engine loss insurance (or wading loss insurance) of most insurance companies clearly points out that the insured motor vehicle starts in the water as the scope of compensation, which means that the engine damage caused by the water start is also within the scope of compensation, PICC, Ping An, Pacific, Dadi, Life, Sunshine, Huatai, Tianan, and Anbang. And the first article also includes the owner of the car to take rescue and protection measures reasonable expenses to compensate, that is to say, when the vehicle is flooded or flooded and breaks down, the car owner can be reimbursed for the regular toll rescue service.

4. The scope of claims for all insurance on automobiles is only the basic insurance, including compulsory traffic insurance, car loss insurance, third-party insurance and deductible insurance. In this case, you can pay for other damages other than damage to the cheating machine after flooding.

Hope it helps, hope!

In the event of a flooded vehicle, damage insurance can cover the damage to the vehicle except for the engine, while the resulting engine damage is only possible with wading insurance.

Vehicle wading insurance, that is, wading loss insurance, also known as engine special loss insurance, is an additional insurance purchased by the owner for the engine. As an additional insurance, it is not that the owner can buy it if he wants to, many 4S store insurance salespeople said that the company has internal regulations on the sales of "wading insurance", for example, vehicles with a body price of less than 100,000 yuan are not allowed to insure wading insurance, and some specific car models are in the "wading insurance" insurance blacklist.

However, if the owner of the car is immersed in water after the engine is flooded, the insurance company can not compensate, and whether it is caused by intentional behavior, this reason is difficult to determine, and it is easy to cause insurance fraud.

Compensation processing: 1) Compensation according to the actual repair cost within the insured amount. However, if the accumulated compensation amount reaches the insured amount during the insurance period, the insurance liability shall be terminated.

2) The absolute waiver of 20% for each compensation of wading insurance shall be implemented.

Insured amount: 50,000 RMB.

Compensation conditions: 1) The insurer shall be responsible for compensation in accordance with the insurance contract if the engine of the insured motor vehicle is damaged due to the following reasons caused by the insured or its permitted legal driver in the process of using the insured motor vehicle:

1. When suffering from heavy rain or flood, the insured motor vehicle is flooded and the exhaust cylinder or air intake pipe is flooded, and the driver continues to start the motor vehicle or uses inertia to start the motor vehicle;

2. After suffering from heavy rain and flood, starting the motor vehicle without necessary treatment.

2) In the event of an accident within the scope of insurance liability of this additional insurance, the insurer shall be responsible for compensating the necessary and reasonable expenses incurred by the insured or its representative in taking rescue and protection measures to prevent or reduce the loss of the insured motor vehicle. The maximum amount of compensation for this expense is limited to the amount insured by the motor vehicle damage insurance. ）

Does the insurance company pay if the car is flooded.

Does the car flood insurance company pay.

With so many flooded cars, whether the insurance company will pay or not, the insurance company replied like this.