What to do with a submerged car after a rainstorm?

What to do if the car is flooded?

1. If the vehicle is soaked in water, notify the insurance company as soon as possible. We said that as a report, we asked the staff of the insurance company to underwrite or entrust a third party to conduct an on-site investigation. 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 gear. In order to avoid misoperation and start in the towing process, expand the loss to the vehicle.

This is very important, because often when the trailer is being towed, the steering wheel of the vehicle needs to be unlocked with a key to the mechanical pin mechanism, but at the same time as unraveling, the power switch of the electrical appliances will be turned on to energize the vehicle electrical appliances. Everyone knows that electrical appliances are soaked in water, and the losses caused by power are self-evident.

3. Many car owners and friends 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 electronic components of the vehicle are damaged due to being 'soaked' 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 choice of maintenance station is very critical.

As a car owner, most of the vehicles are towed to the pit station, and everything is fine. The author once met a friend's car, towed to the repair station, and finally told by the repair station that the vehicle's engine was damaged and needed to be overhauled? Then I found the insurance company, and the insurance company said that the vehicle was due to a mistake in the maintenance method, which caused the vehicle engine connecting rod to be seriously deformed and needed to be overhauled.

However, due to the inability to prove that it was the mistake of the staff of the maintenance station, the friend could only be wronged and admit the loss and pay for the repair. In order to learn a lesson, please do a good job of repairing with the maintenance station as soon as possible.

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.

If your car does not have any commercial insurance except for compulsory traffic insurance, then obviously, the loss at this time can only be borne by the owner himself. Purchasing compulsory traffic insurance and commercial insurance, the insurance company does not compensate for engine loss.

If you have purchased commercial insurance in addition to compulsory traffic insurance, and the commercial insurance includes car damage insurance. After your car is soaked in water, you immediately call the insurance company to report the damage**, and the insurance company will pay according to the natural disaster.

However, it should be pointed out here that the car damage insurance at this time does not compensate for water ingress into the engine. In addition to the engine, other parts of the car damage, such as the interior, computer board, etc., will be determined according to the specific situation.

This is a headache for many car owners, buy the right car insurance is good, at least there is compensation, not buy the right it is not easy to say, pull to repair at least two or three months, one is to find a trailer tow to repair, the other is that many cars are flooded are queuing up for maintenance, which has caused a lot of trouble, you have to spend time to repair the car, it is inconvenient to travel, if you buy a new car again, you have to consider whether it is cost-effective, but one thing is that if you buy the right car insurance, the insurance company pays quickly, I still recommend buying a new car.

Summary: How to pay for the insurance if the car is flooded? Summer is the season of high rainfall, and vehicles are prone to flooding.

Once the vehicle is flooded, as long as the owner has purchased car damage insurance, the car can be charged to the insurance company after the water to request compensation, car damage insurance stipulates that all or part of the loss of the motor vehicle caused by heavy rain, flood, landslide, etc., will be compensated by the insurance company. What to do with the insurance if the car is flooded.

1. If the insured vehicle wades in the water and turns off, then Yixiang Xiao will not start again, but should call the insurance company ** and 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.

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

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

How to pay for the insurance if the car is flooded.

1. When the vehicle is flooded, if there is no way to move, but the engine does not enter the water, the compensation will be paid according to the natural disaster. When the vehicle is within the insurance period, due to a series of natural disasters such as heavy rain, landslides, mudslides, avalanches, blizzards, sandstorms, etc., the losses caused to the vehicle are within the scope of vehicle damage insurance, and the insurance company should pay compensation according to the insured amount.

2. If the engine is damaged after the vehicle is flooded, but the second ignition is not carried out, then the damage insurance can be purchased to compensate for the engine damage caused by the flooding of the vehicle, because the car damage insurance includes engine wading insurance. If the vehicle wades in water and stalls, it must not be restarted, because the insurance company will not pay compensation if the engine is damaged again due to the forced start of the engine.

3. If the water floods to the roof of the car, it is full compensation. When water overflows the dashboard of a vehicle or the car is flooded to the roof, the vehicle is no longer worth repairing. At this time, the damage can be assessed according to the total loss of the vehicle, and the total loss of the vehicle will be compensated according to the amount of insurance purchased.

How to deal with a flooded car:

1. Power off the car as soon as possible, if the car is soaked in water, many parts will be burned after the power is turned on;

2. Hang the gear of the car directly to the neutral gear, the blistered engine cannot be forcibly started, and the damage to the engine will be very great if it is forcibly started;

3. Contact the 4S shop or contact the surrounding car repair shop to find a tow truck to tow the car for maintenance;

4. Confirm with the maintenance station staff that the vehicle has not been ignited, remind the staff not to start it when repairing, and write it on the maintenance work order to confirm that it has not started;

5. Let the insurance company verify the loss as soon as possible, and assist the maintenance personnel to take pictures of the car for retention.

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.

There is compensation for cars that are flooded by heavy rains. 1. Explain the slippery description: Under normal circumstances, the scope of car water insurance claims includes rescue expenses such as towing fees, as well as losses caused by heavy rain accidents such as electrical maintenance in the car, oil replacement, three filters, and working hours.

If you do not have water insurance, the insurance company will only be responsible for the damage caused by the vehicle being stationary and flooded without force starting. 2. Scope of application of "wading insurance": when the insured motor vehicle is flooded and the driver of the exhaust cylinder or air intake pipe continues to start the motor vehicle or uses inertia to start the motor vehicle when it is noisy from heavy rain or flood; After being subjected to heavy rain or flooding, the motor vehicle is started without need.

In both cases, it is necessary to purchase wading insurance in order to receive the corresponding compensation.

Legal analysis: If the car is flooded in the rain, the insurance needs to be paid, but the specific compensation content should be judged according to the situation: 1. The part of the vehicle damage caused by natural disasters such as heavy rain wading or flooding can be paid for the part of the vehicle other than the engine.

2. Engine damage caused by wading can only be compensated by wading insurance. Vehicle wading insurance, i.e., wading loss insurance, also known as engine special loss insurance, is an additional payment that needs to be purchased separately. It should be noted that after the vehicle is flooded, the engine damage caused by the car owner forcibly starting the vehicle will not be compensated if it is included in the wading insurance exclusion clause.

Legal basis: Article 10 of the Insurance Law of the People's Republic of China An insurance contract is an agreement between the policyholder and the insurer to agree on the relationship of insurance rights and obligations. Lu Dan The policyholder refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium in accordance with the contract.

An insurer refers to an insurance company that enters into an insurance contract with the policyholder and bears the responsibility of compensation or payment of insurance money in accordance with the contract.