What should I do if my car is flooded, and what should I do if I have a motor vehicle driver s licen

Hello. If the car is flooded, if you buy full insurance. So can I apply for insurance directly? It does not affect if you do not have a driver's license, as long as you have a driving license. Your question is over, I hope it can help you. Hope, thank you.

The cars were flooded and basically scrapped. It costs a lot of money to repair. It depends on whether you have bought insurance or not, and if you have water insurance, you will be compensated.

A motor vehicle driver's license is required. If you don't have a driver's license, you can't drive a car, and if you get caught, you'll be fined. So driving without a license.

The car is flooded, as long as you don't start it, the insurance company will pay for it, and if it starts, the insurance company refuses to pay.

Is the ignition out? If the ignition has been turned off, don't go back to the fire. Call the police directly for help.

Immediately turn off the ignition without restarting.

If the vehicle is immersed in water for a long time, it is not a big problem as long as the vehicle is no longer started. Because the volume of water is incompressible, when water enters the cylinder, the water will break the valve and cylinder head during the piston compression process. Once there is a problem, it is likely to be overhauled, and the repair cost can range from a few thousand to tens of thousands; And this kind of human negligence, the insurance will not pay.

Therefore, when you encounter heavy water and you are sure that the vehicle cannot move, please turn off the engine immediately and stop starting the vehicle. 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 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. However, many drivers will forcibly ignite the engine again after the car suddenly stops while wading in the water, resulting in engine damage, and the insurance company is not responsible for compensating for such losses. The next thing to do for insurance and rescue is to immediately report to the insurance company (provided that you must have car damage insurance), and if you do not report the insurance for more than 48 hours, the insurance company can refuse to pay (because the car is soaked in water for too long and the parts are damaged, the insurance company will also refuse to pay or underpay when claiming the claim because the car owner is not rescued in time).

Before the arrival of the rescue vehicle, if it is in the garage, the first thing is to pump water, and you cannot blindly open the vehicle that has been sealed and parked, and wait for rescue on the spot. If it is on the move, you can hang the gear in neutral in the car, and the owner can open the glass to come out and push the vehicle manpower away from the wading area. Do not open the doors to avoid further flooding of the interior.

If the trailer of the 4S shop or repair shop cannot arrive in time, you may wish to ask the insurance company for tow rescue. Related knowledge: There is a type of insurance specifically for the engine in car insurance, called wading insurance. Wading insurance is also called engine special loss insurance, and the insured vehicle 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 or more than tens of thousands.

However, there are basically no insurance companies in the market that have this type of insurance. That is to say, if there is no wading insurance, the insurance company will not compensate for the loss of the engine, but the accessories of the engine, such as generators, air conditioning pumps, etc.; In addition, including the drying of the interior and the loss of electronic components, it will also be compensated.

To sum up, after the car is flooded, don't panic, as long as you follow the above methods calmly, actively rescue after being flooded, minimize the loss, and actively cooperate with the insurance company to investigate and assess the damage, it will still be very convenient and quick to experience the claim service.

The way to deal with the flooded car is to call a tow truck, disconnect the power supply of the vehicle, and notify the insurance company.

1. Call a trailer

When the car is flooded, call a tow truck immediately and tow the car to the maintenance station to avoid the vehicle being soaked in water for a long time, if the electronic components of the vehicle will be damaged due to long-term immersion in water.

2. Disconnect the power supply of the vehicle

Before the rescue trailer arrives, disconnect the power supply of the vehicle's battery, usually remove the negative terminal of the battery, and select the neutral position of the transmission gear. So as to avoid misoperation and start in the towing process, and expand the loss of the vehicle.

3. Notify the insurance company

If the vehicle is soaked in water, the insurance company should be notified immediately and the insurance company staff or a third party should be commissioned to conduct an on-site investigation.

How to save yourself if your car is flooded

1. When the car is flooded and the doors and windows are locked:Break glass with a sharp object. Many friends will have stick locks or sharp objects smashed into the center of the glass in the car. Smash the windows with these things and escape.

2. When the door is not locked:When the car is just flooded, don't panic, quickly determine your location and determine the escape route. Then adjust your breathing, as the water is not completely submerged after entering the water, so it is very important to ensure that you breathe.

3. Don't open the door when it's flooded:Due to the very high underwater pressure, water is poured into the car along the gaps between the doors. At this time, it is almost impossible to open this door, only when the car is almost full of water and the pressure inside and outside the car is relatively balanced, take a deep breath and quickly open the door to escape.

4. Don't break the glass when the pressure is high:Once the glass is broken, the water will rush into the car with the broken glass, causing injuries to the occupants of the car. Recognize the position of the fall in the car and determine which way to get out, and when the time comes, you can use tools to open the door or break the window to escape.

A few days ago, more netizens asked Xiaolu about "how to deal with the car being flooded", and now I will explain it to you. 1. Flooded at rest. If the vehicle is flooded while stationary, the engine of the car will usually not be damaged, and you can get compensation if you have car damage insurance.

However, if you try to start the car out of the flooded area and cause damage to the engine of the car, the insurance will not pay even if you have purchased wading insurance. 2. The engine stalls and malfunctions when wading is running. If you purchase water wading insurance, which is special loss insurance for the car engine, then you can find the insurance company to complete the payment.

On the other hand, if you only have car damage insurance and do not have water wading insurance, you will only be able to pay for the part except the engine of the car. Dig oranges.

But after the car is flooded, we still have to complete a lot of basic observation and disposal, the first observation of the vehicle is not involved in the car engine and the key parts of the car, if the vehicle is flooded if only the tires are submerged, this situation can be driven away directly after the water recedes, if the flooded part overflows the car, it will cause a lot of interference to the electronic circuits, car engines, and other parts in the car, at this time, it is necessary to check the specific situation of the vehicle first, do not rush to start the vehicle, Because once the car engine is started, it is very likely to cause re-damage to the car engine, which will interfere with the future insurance claims, if the vehicle is completely submerged, this situation is still very serious, the owner should notify the insurance company as soon as possible, inform them of the specific situation of the vehicle, and ask the insurance company to complete the investigation of the vehicle loss at the scene. If you really encounter the situation that the water has entered the interior of the car, remember not to start the car first after the water recedes, and communicate with the insurance company in time to avoid unnecessary losses.

Millions of car purchase subsidies.

1.Submerged while stationaryIf the vehicle is flooded while stationary, the car's engine will not be damaged. If you buy car damage insurance, you can get compensation.

However, if you try to drive your car out of the flooded area and cause damage to your car's engine, the insurance will not pay you even if you have a wade water insurance. 2. If you buy wading insurance, that is, special loss insurance for automobile engines, you can find an insurance company to complete the compensation. Conversely, if you only buy car damage insurance and not wading insurance, you can only pay for the part other than the car's engine.

However, after the car is flooded, we still have to complete many basic observations and **. First of all, it is necessary to observe whether the flooded parts of the car involve the engine of the car and the key parts of the car. If the flooded part of the car is just the tires flooded, in this case, they can be sent away directly after the water recedes.

If the flooded parts spill out of the car, they can cause a lot of interference to the electronic circuits, the car engine, and other parts in the car. At this time, we should first check the specific situation of the car. Don't rush to start your vehicle, as once the engine is started, there is a high chance that it will damage the engine again and interfere with future insurance claims.

If the vehicle is completely submerged in the water, the situation is still very serious. The owner should notify the insurance company as soon as possible, tell them the specific condition of the vehicle, and ask the insurance company to go to the scene to complete the vehicle damage investigation. If you do encounter water entering the car, remember not to start the car first after the water has receded, otherwise you must communicate with the insurance company in time to avoid unnecessary losses.

Millions of car purchase subsidies.

To put it simply, after a vehicle is flooded, there are only five processing steps:

1.Do not start the vehicle after it has been flooded;

2.Take a photo on the spot and take a picture of your license plate number at the same time;

3.Call your insurance company to report the incident (be sure to report the incident within 24 hours);

4.Call ** to the rescue trailer, tell the insurance company which repair shop the car is in, and let the surveyor investigate;

5.Before repairing, report to the insurance company as required to verify the loss.

According to the relevant provisions of China's motor vehicle insurance provisions, vehicle losses caused by natural disasters such as storms and floods belong to the insurance liability of vehicle damage insurance in commercial auto insurance. Therefore, after the vehicle is flooded, the rescue costs, cleaning costs, electrical losses, and interior parts losses are all insurance liabilities of the car damage insurance, and the insurance company should compensate for them.

If you only insure the vehicle with compulsory traffic insurance or commercial insurance, you will not be compensated. If the vehicle is flooded or waded in water, resulting in damage to the engine, it is excluded, i.e., if the engine is flooded due to water ingress on the second start, etc., then the cost of repairing the engine will not be compensated under the car damage insurance.

The insurance company has a special wading insurance that covers engine water damage caused by a second start-up flood. After the vehicle is flooded, the engine will generally not enter the water if there is no secondary start.

Millions of car purchase subsidies.

<> "What to do if the car is flooded.

1. If your vehicle is flooded, contact the insurance company that covered it immediately. On-site inspections are conducted by the underwriting insurance company or a third-party representative. However, in general, in the face of a large number of car flooding accidents, insurance companies often rush to the scene, often do not respond in time, you can ask them to take a picture of your car flooding**.

Scenarios where a camera or mobile phone is used as evidence for property modification in a claim.

2. Before the rescue trailer arrives, it is best to disconnect the power supply of the vehicle battery as soon as possible, remove the negative pole of the battery at ordinary times, and select neutral gear for the transmission gear. This is to prevent misoperation or start-up while the trailer is in motion, and to prevent further damage to the vehicle. In many cases, when towing a trailer, it is necessary to unlock the steering wheel of the vehicle with the key in the mechanical locking mechanism, which is difficult because it is important to turn on the power switch at the same time.

Provides power to the vehicle's electrical equipment.

3. Many people are most concerned about calling a tow truck to tow the car to the maintenance station immediately. However, many workshop customers are in urgent need of rescue, which may delay the best time for tow truck rescue. Some people may want to ask their own insurance company to help with the tow, because many insurance companies do free relief projects, so they can also save the towing cost by calling ** to the wrecker company.

More importantly, for the settlement of the claim, he carried out the correct rescue of the vehicle in time and avoided the vehicle from being "soaked" in water for a long time. If the vehicle's electronic components are damaged due to being "soaked" in stagnant water for a long time, the owner may sentence the vehicle owner to the vehicle for not being able to receive compensation due to the delay in rescuing.

4. For flooded vehicles, choose a maintenance station for maintenance. In most cases, you want your vehicle to be towed to the workshop and then returned to the workshop as soon as possible. In addition to confirming that the vehicle has not been started, the maintenance work instructions also remind the maintenance personnel not to start the vehicle or check for abnormal conditions during the maintenance process.

It is best to find a reliable master and check and confirm the work step by step according to the process.

<> "What to do if the car is flooded.

1. If the car is flooded, notify the insurance company that underwrites it.

1. If the vehicle is soaked in water, notify the insurance company as soon as possible. Require the staff of the insurance company or entrust a third party to conduct an on-site survey. However, under normal circumstances, when the insurance company is faced with a large number of flooded car cases, it is often unable to rush to the scene in time to deal with it, and can require the insurance company, the car owner or the insured to take pictures of the flooding situation at the scene with a camera or mobile phone as evidence of the claim.

2. Before the arrival of the rescue trailer, it is best to disconnect the power supply of the vehicle battery as soon as possible, usually remove the negative terminal pile of the battery, and select the neutral position of the gearbox. In order to avoid misoperation and start in the towing process, expand the loss to the vehicle. This point is very critical, because often when the trailer is being trailerd, the steering wheel of the vehicle needs to be unlocked with a key to the mechanical pin mechanism, but at the same time as the unwinding, it will be connected to the power switch of the Spike Botong electrical dispersal to electrify the vehicle electrical appliances.

3. Many car owners are most concerned about calling a tow truck immediately and towing the vehicle to the maintenance station. However, due to the urgent need for rescue by many pit customers, the best time for tow truck rescue may be delayed. Car owners and friends may wish to ask the insurance company to tow assistance, many insurance companies have free rescue projects, so the majority of car owners and friends also save the towing cost of calling a towing company.

More importantly, in terms of claims, at least as the owner of the car, the vehicle has been rescued correctly in time to avoid the vehicle being "soaked" in stagnant water for a long time. If the vehicle's electronic components are damaged due to "soaking" in stagnant water for a long time, the owner may be denied compensation due to the delay in rescue when making a claim.

Second, the flooded car, the repair of the choice of maintenance station.

As the owner of the vehicle, most of the vehicles are towed to the maintenance station, and the first time to do a good job of repairing with the maintenance station.

1. On the maintenance work order, confirm that the vehicle is not starting the vehicle, and also remind the staff of the maintenance station that they cannot try to start and check the problems of the vehicle during maintenance.

2. It is best to find a trustworthy master to do a good job of maintenance and confirmation step by step according to the process.