How to pay for the water damage insurance car, and does the water insurance company pay for the car

There is a "wading insurance" in the car insurance rider, but many companies do not buy or sell.

That is, no one bought it. Some natural disaster insurance companies refuse to insure (listed in the exclusion clause), but in the catastrophic flood disaster that occurred a few years ago, many customers' cars were flooded, and according to common sense, the insurance company refused to pay.

However, while the country was trying to solve the difficulties caused by the disaster, insurance companies also paid for the flooded car owners.

It's just that the standard of compensation for each company is customized.

So when something like this happens, it depends on whether the insurance company pays or not.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Flood insurance is an insurance system implemented for residents, associations, enterprises, institutions and other units living in the floodplain in order to cooperate with the management of the floodplain, limit the irrational development of the floodplain, and reduce the social impact of flooding. It is one of the non-engineering measures for flood control. Generally, there are two forms of voluntary insurance and compulsory insurance, the latter of which is more conducive to limiting the irrational development of floodplains.

Those who participate in flood insurance shall pay insurance premiums to the insurance company on a regular basis according to the prescribed insurance rate. Insurance companies pool insurance money and build insurance**. When the property of the insured unit or individual suffers flood damage, the insurance institution shall compensate in accordance with the insurance regulations.

Flood insurance companies will carry out compensation judgments.

Refer to the terms and conditions of the insurance for the relevant requirements, rainstorms.

Automobile damage caused by general "flood disasters" such as floods and landslides is classified as car damage insurance in commercial service car insurance.

The insurance company will be liable for the direct loss of the car caused by the flooding of the car in accordance with the commitment of the insurance contract.

The insurance company's compensation process is as follows:

1. After the vehicle is out of danger, the insured calls the insurance company's report** to report the accident;

2. According to the arrangement of the claims department of the insurance company, go to the underwriting branch company to assess the loss. At this time, the insured needs to bring the original policy and driving license in person.

Driver's book, ID card of the insured.

and other documents to go through the formalities with the insurance company;

3. After the damage assessment is completed, the insured goes to the auto repair shop to repair the car;

4. After repairing the car, go to the insurance company for reimbursement of expenses.

Usually pay attention to safety when driving, in the driving, every car owner should be able to abide by the rules and regulations according to the operation, do not make fatigue driving, drunk driving, driving mobile phones and other serious violations, illegal behavior.

1. Whether the flood disaster car insurance is compensated.

1. If the car is flooded, as long as the car damage insurance is insured, the insurance company will pay. The contract terms of the car damage insurance clearly stipulate that the insurance company will pay for the loss of the vehicle caused by natural disasters such as heavy rain, floods, landslides, mudslides, etc. However, it should be noted that after the car is flooded, do not ignite it twice, as the second ignition is easy to cause engine damage, and the insurance company will not pay.

2. Legal basis: Article 27 of the Insurance Law of the People's Republic of China.

If the insured or beneficiary falsely claims that an insured accident has occurred and requests compensation or payment of insurance money to the insurer, the insurer has the right to terminate the contract and not refund the insurance premium.

If the policyholder or the insured intentionally causes an insured accident, the insurer has the right to terminate the contract and shall not be liable for compensation or payment of insurance money; Except as provided for in Article 43 of this Law, insurance premiums shall not be refunded.

If, after the occurrence of an insured event, the policyholder, the insured or the beneficiary fabricates a false cause of the accident or exaggerates the extent of the loss by means of forged or altered relevant certificates, materials or other evidence, the insurer shall not be liable for compensation or payment of insurance money for the part falsely stated.

Where the policyholder, the insured, or the beneficiary commits any of the acts provided for in the preceding three paragraphs, causing the insurer to pay insurance money or expenses, it shall be refunded or compensated.

2. What is the claim process of the natural disaster flood car insurance company?

Claims Process for Natural Disaster Flood Motor Insurance Companies:

1. If the insured vehicle wades into the water and turns off, then it must not be started again, but should call the insurance company ** to inform the insurance company of the situation;

2. Whether the insurance company will pay or not, and how much it will pay, can only be determined after passing the damage assessment, so it is necessary to take pictures of the scene and collect evidence, and take pictures of the damage to the scene and the vehicle in time, so that the loss assessor can assess the damage;

3. The expenses incurred by the owner of the rescue car can also be reimbursed by the insurance company, so when the blister car occurs, the owner of the car calls the rescue vehicle to tow the car, do not start the vehicle.

Flood car insurance will generally cover some of the damages. In the event of a natural disaster or extremely bad weather, the insurance company will only cover 70% of the compensation. However, if it is not a natural disaster, the manager or owner who caused the damage to the car shall be fully or partially liable.

As long as it complies with the provisions of the insurance contract, the company will definitely compensate, if it does not meet the requirements of the claim, the owner can only bear the loss.

[Legal basis].Insurance Law of the People's Republic of China Article 12 The policyholder of life insurance shall have an insurance interest in the insured at the time of the conclusion of the insurance contract.

The insured of property insurance shall have an insurable interest in the subject matter of insurance at the time of the occurrence of an insured event.

Life insurance is insurance that takes a person's life and body as the subject of insurance.

Property insurance is insurance that takes property and its related interests as the subject matter of insurance.

The insured refers to the person whose property or person is protected by the insurance contract and has the right to claim the insurance money. The policyholder can be the insured.

Insurance interest refers to the legally recognized interest of the policyholder or the insured in the subject matter of insurance.

As long as the owner of the car has purchased vehicle damage insurance, the car can be called to the insurance company after the car is flooded. The insurance company will be responsible for compensating for all or part of the damage caused by lightning strikes, heavy rains, floods, waterlogging, tsunamis, etc. However, many drivers will forcibly fire again after the car suddenly stops when wading in the water, resulting in engine damage, and the insurance company is not responsible for compensating for such losses.

Legal Analysis: Car Flood Insurance Company Can Compensate. The car flood is a loss caused by a natural disaster, and you can report the car damage to the silver insurance claim.

After reporting the vehicle damage insurance, if the insured motor vehicle is directly damaged due to flooding and does not fall within the scope of the exemption, the insurance company will be responsible for compensation within the agreed limit.

Legal basis: Article 10 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability Article 10 The policyholder shall choose an insurance company that is qualified to engage in compulsory insurance business for motor vehicle traffic accident liability when applying for insurance, and the selected insurance company shall not refuse or delay the underwriting of the wheel. The China Insurance Regulatory Commission shall publicize to the public the insurance companies that have the qualifications to engage in compulsory insurance business for motor vehicle traffic accident liability.

Legal analysis: If you insure the relevant car damage insurance, the insurance company will pay for it. If you have purchased commercial car insurance, the accident of the car being washed away by the rainstorm is an accident, and it is possible to partially insure the repair cost of the vehicle caused by the rainstorm.

Legal basis: Article 5 of the "Motor Vehicle Insurance Rider Clauses"? Compensation (1) According to the claim documents provided by the insured, the insurer shall compensate according to the following provisions:

1.In case of loss of the whole vehicle, the compensation amount shall be calculated in accordance with the relevant provisions of Article 3 of this Article; 2.For the loss of the whole car, each compensation will be subject to an absolute waiver of 20%; 3.

If the insured fails to provide the insurer with the certificate of theft and robbery issued by the criminal investigation department of the public security at or above the county level where the accident occurred and the vehicle has been stopped, the insurer shall not be liable for compensation. (2) After the insurer confirms that the claim documents are complete and valid, the insured shall sign a letter of transfer of rights and interests, and the compensation shall be settled.