How to make a claim for a car that was smashed by a high voltage line?

1. If your car is parked in a regular location, a regular garage, or a regular parking space, if it is smashed by a high-voltage line, then what you can do is to go to the municipal department and let the municipal department help deal with and solve it.

Second, when the car is smashed and the claim is made, the most worrying problem of the car owner is the difficulty of the claim. One of the reasons why it is difficult to settle a car claim is because the information is not fully prepared at the time of claim. The vehicle was smashed insurance claim process.

Some car insurance companies need the car owner to pay the repair cost in advance when repairing the car, while in Ping An Auto Insurance, if the car needs to be repaired, then the cost of repairing the car can be paid by Ping An Auto Insurance first. Car owners don't need to pay a penny in advance to be able to complete the insurance work of the vehicle. Therefore, how to compensate for the car being smashed insurance mainly depends on how the car insurance company stipulates the claim process.

If a falling object smashes a vehicle, the owner, manager or user of the falling object shall bear tort liability.

1.Whether the perpetrator can be found.

If the perpetrator can be found, then all the losses of the vehicle can be borne by the perpetrator. And if the perpetrator cannot be found after the vehicle is smashed, then the damage caused by the vehicle needs to be compensated by taking insurance.

2.Report. When the car owner decides to get compensation through insurance, it is necessary to have a detailed understanding of how to pay for the damage insurance of the vehicle.

Reporting a crime is the first step in making a claim. In order to facilitate the insurance company to be more accurate in the investigation and evidence collection, when the car is smashed, the owner must protect the scene and call the police as soon as possible.

3.Survey. When the insurance company staff arrives at the scene, they will confirm the scene of the accident and obtain a license plate.

During the investigation, the claims specialist of the insurance company may consult some information, and the car owner must be truthful. Don't hide the facts. This is helpful for car claims.

This is the second step of how to pay for the car if it is smashed.

4.Damage assessment. The damage assessment of the car is generally completed by the 4S shop or the special repair shop designated by the insurance company. The owner is in the **repair** damage assessment.

Zhang Ruidong, manager of Chinese Life Property Insurance Company, introduced that although the house was scraped and crushed and the high-voltage line was broken and the car was burned, although it was a natural disaster, if the owner had car damage insurance, it could be compensated. "If the owner of a motor vehicle has the 'no deductible' type of insurance in the vehicle damage insurance, he can pay 100% of the compensation.

If the car is smashed by a high-voltage line, you can go to the power department to make a claim, and if the car has insurance, you can also find the insurance company to make a claim.

According to the principle of subrogation, the insurance company will first make a claim for the owner of the smashed vehicle, and at the same time, the owner of the car will transfer the power of the perpetrator to the insurance company. The second is that the perpetrator is not found to collect evidence, if it is a paid parking vehicle, first of all, the manager should be responsible, and the owner of the smashed vehicle may have trouble collecting evidence, but he can also get a partial proportion of compensation, according to the terms of each insurance company. In addition, if the car owner has car damage insurance for commercial insurance, the claim can be made according to the non-on-site compensation process, but there is an absolute deductible of 30%, that is, the car owner can get 70% of the repair fee.

However, if you just smash the glass and do not have the glass broken insurance alone, you will not be compensated accordingly.

This problem is still more complicated, it depends on this high-voltage line, why did it hit your car? If it is because of irresistible factors, then you can only go to the insurance company, and if it is the power company's fault, then claim from the power company.

How to make a claim if the car is smashed by a high-voltage line? In terms of claims, if you first have a car, you must have that kind of insurance, and you can go directly to the insurance company to pay for it.

This can first be reported to the insurance company, and in addition, it is necessary to find the unit to which the high-voltage line belongs and let them compensate for the loss of the vehicle.

If you have already purchased car damage insurance, you can go to the insurance company to make a claim first. The insurance company then seeks compensation from the power supply bureau.

Direct insurance.

It's a single-vehicle accident.

The car was smashed by the high-voltage line, please keep the ** evidence, and then find the owner of the high-voltage line to claim compensation.

First call the police**, in the call insurance, the traffic police to determine whether it is a line problem, and finally Zhao to the relevant power supply bureau to make a claim.

You should find his property rights department to settle the claim, and this high-voltage line should be under the management of the power department.

If the high-voltage line suddenly breaks and hits a motor vehicle parked on the ground, the owner of the motor vehicle can claim compensation from the local power company.

As long as you find the local power department to make a claim, there is a certain system for this.

Check out the insurance company to see what kind of claim it belongs to.

If the car is blown up by a high-voltage line, you can claim compensation from all departments of the high-voltage line, and the insurance company will not compensate.

If the car is smashed by a high-voltage line, you should find a claim from the power supply company.

It depends on the power supply level of the high-voltage line, usually 1-10 thousand volts 5 meters 35-110 thousand volts 10 meters 154-330 thousand volts 15 meters 500 thousand volts 20 meters. In addition, with regard to the amount of compensation, it is necessary for the other party to have sufficient evidence to prove the actual loss, and if the two parties cannot reach an agreement, it is recommended to require the other party to file a lawsuit in court. Legal basis:

Article 1208 of the Civil Code of the People's Republic of China Where a motor vehicle is involved in a traffic accident and causes damage, it shall be liable for compensation in accordance with the Road Traffic Safety Law and the relevant provisions of this Law. Article 1209 Where the owner of a motor vehicle, the person in charge of the motor vehicle and the user are not the same person, and the damage caused by a traffic accident is the responsibility of one of the parties to the motor vehicle, the user of the motor vehicle shall be liable for compensation; If the person or manager of the motor vehicle is at fault for the occurrence of the damage, he shall bear the corresponding liability for compensation.

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If you break a high-voltage line while driving, you should first stop and stay away from the scene immediately to ensure your own safety. You should then immediately call your local power company's emergency services** to report the accident and wait for their instructions. While waiting for the arrival of the power company, nearby residents and passers-by should be advised to stay away from the scene to avoid electric shock accidents.

When it comes to compensation, the specific standard and amount of compensation may vary depending on the region and state. Generally speaking, if you break a high-voltage line while driving and cause damage, you may be responsible for the following costs: 1. The cost of repairing the high-voltage line by the power company; 2. Compensation for personal injury or property damage to nearby residents or passers-by caused by your behavior; 3 You may also be liable for fines or other legal liabilities if you fail to follow traffic rules or drive improperly and cause an accident.

Therefore, it is important to pay attention to safety when driving, especially when driving near high-voltage lines, to avoid unnecessary losses and risks.

Legal analysis: The car is smashed by a telephone pole and the insurance needs to be claimed. The liability limit in the compulsory traffic insurance contract refers to the maximum amount of compensation borne by the insurer for the personal and property losses of all victims of each insured accident in the event of a traffic accident of the insured motor vehicle.

Legal basis: Compulsory insurance clause for motor vehicle traffic accident liability Article 6 The liability limit in the compulsory traffic insurance contract refers to the maximum amount of compensation borne by the insurer for the personal and property losses of all victims of each insured accident in the event of a traffic accident of the insured motor vehicle. Liability limits are divided into death and disability compensation limits, medical expense compensation limits, property damage compensation limits, and compensation limits for the insured who is not liable in road traffic accidents.

Among them, the compensation limit of no liability is divided into the compensation limit for death and disability without liability, the compensation limit for medical bridge collision expenses without liability, and the compensation limit for property damage without liability.

Legal analysis of this calendar:

If the damage caused by the high-voltage line is encountered during the construction of the construction site, the construction unit shall constitute an infringement and the construction unit shall bear the responsibility for compensation.

Legal basis: Civil Code of the People's Republic of China Article 1258 Liability for damage caused by construction in public places or roads and liability for damage caused by underground facilities such as manholesIf the excavation, repair and installation of underground facilities in a public place or road causes damage to others, and the builder cannot prove that it has set up obvious signs and taken safety measures, it shall bear tort liability. Manholes and other underground facilities cause damage to others, and the manager cannot take turns to prove that he has fulfilled his management duties, and shall bear tort liability.