Insurance claims, how to judge if the car is flooded on a rainy day but broken on a sunny day? How t

The insurance company will deny the claim. There is a premise of wading insurance, that is, when you have to stop driving immediately after wading, whether there is a problem or not, you must report to the insurance company, and let the insurance company decide whether you can continue to drive. To use an analogy, it's like seeing a vase about to fall off the table, and you deliberately push it with your hand to break the vase, and then ask someone else to pay for it, who will pay?

Because you're not very clear, you can't tell.

I'll just say it roughly as I understand it.

First, what kind of rain is it on a "rainy day"? In terms of insurance, only "heavy rain" is an insurance liability. The general does not belong.

Second, "water ingress", ** into the water? There are generally two situations of water ingress into the vehicle, the first compartment is flooded, and if it is in the case of heavy rain, the insurance bears a cleaning cost. The second commonly said water ingress is water ingress into the engine, which is an exclusion from the car damage insurance, and the insurance company will not pay for it.

Third, what does "broken" mean broken? If the engine is broken just now, the first insurance company will not pay for it, and second, if there is a problem with the engine, you can see it at that time. The "breakdown" of the rest of the system is generally not caused by rain, because at the beginning of the vehicle design, there are certain requirements for rain and waterproof.

In general, water does not cause damage. Of course, I have seen the situation of rain and water ingress into the headlights, which is the quality problem of the headlights themselves, which is generally a problem of "analogues", and does not belong to the insurance company.

Therefore, in your case, unless there is a professional appraisal, it is not good to make a claim.

What's broken?

Quality problems can be claimed by the car manufacturer.

The insurance liability of the insurance company can only be matched by heavy rain (rainfall of more than 16 mm per hour, or rainfall of more than 30 mm for 12 consecutive hours, or rainfall of more than 50 mm for 24 consecutive hours), and the insurance company will not compensate for the loss caused by ordinary rain and waterlogging.

There is no way to explain this, because when the car is flooded, it needs to be inspected and the on-site license plate, and the content also includes whether there are water traces in the car, the engine is checked, and then the on-site exploration is carried out.

You didn't have an accident. The insurance covers accident losses.

If the damage to the vehicle is not serious, the insurance company will assess the damage and compensate for the damaged components; If the whole car is basically soaked in water, the cost of repair in this case is mostly more than the cost of buying a new car.

And even after repairing, there may be a series of problems, and there will be failures from time to time, so at this time, the insurance company will generally sign a total loss agreement with the car owner, and pay the car owner a certain amount of compensation according to the agreed amount of insurance.

Vehicle wading insurance refers to the fact that the owner has purchased wading insurance (which is an additional insurance) for the engine, so the insured vehicle can be compensated for the damage to the engine caused by wading on a waterlogged road or being flooded.

Auto insurance is mainly divided into two categories: basic insurance and additional insurance, additional insurance can not be purchased independently, it is attached to the basic insurance (such as third party liability insurance, vehicle loss insurance and traffic compulsory liability insurance) to purchase, additional insurance includes the whole car theft insurance, glass breakage insurance, vehicle suspension loss insurance, spontaneous combustion loss insurance, vehicle wading insurance, etc.

For engine water ingress, many insurance companies list this item as an exemption. Therefore, if the owner finds that the vehicle is flooded, he must not start the car without authorization, and should notify the insurance company and the repair shop first, so as not to be unable to pay the claim due to exceeding the scope of the car water ingress insurance.

We know that the "wading insurance" covered by the insurance is "damage caused by the vehicle driving on a watery road or starting in water". If you have purchased "Wading Insurance", you will be able to get a claim from the insurance company if the vehicle is damaged due to flooding.

If you want to get a claim, as long as the vehicle does not start the engine after the engine is turned off for the first time, the car owner should report to the insurance company as soon as possible and actively organize rescue, cut off the circuit as soon as possible, and tow the vehicle out of the water and send it to the repair shop for maintenance. Contact the insurance company or the repair center of the claim service immediately, and the insurance company will be responsible for the repair cost. The insurance company is responsible for the cost of submerging the vehicle when it is parked and repairing it at the repair shop designated by the insurance company.

It is more troublesome, and this situation is generally an exemption from liability. Unless you have an insurance to protect the engine from water.

Call the insurance company directly and ask them to bring someone to investigate and verify the loss! This is the fastest way, the vehicle accident should be the first time to notify the insurance company, the longer you hold the claim, the more you will suffer!

If you don't have wading insurance, there's no way to do it. If it can constitute a rainstorm liability, a meteorological certificate needs to be issued, and the cleaning fee can be compensated.

Most of them are man-made and will not be claimed, but there are special ones, depending on the situation!

How can the engine get into the water on a rainy day, and the insurance company is not a fool, you can see it at a glance.

In this case, it is necessary to underwrite the engine wading insurance before the claim is made. If there is only car damage, the insurance company will only pay for the engine cleaning fee and the cost of the whole car circuit. Damage to internal parts of the engine due to water ingress is not covered by insurance.

In addition, there are many products on the group IDC network**, which are cheap and have a good reputation.

Is there wading insurance? Is there any? If neither,. I don't see a show...

Because everyone's aesthetic is different, they will also have certain differences in what they buy. So when it comes to buying a car, there are many people who like to buy a car with a sunroof, and there will be some water leaks when it's like this. And it will also cause us a certain amount of trouble, so today we are going to talk about how the car leakage is caused.

And if your car leaks, can we make an insurance claim?

There are several main reasons why the car leaks if it is parked under the tree for too long, then when we park the car under some trees, if we park it for too long, then some debris in the leaves will fall on our car. At this time, after some rainwater, it is very likely that this water will be washed into the sewer pipe in front. If there is too much accumulated debris, it will block our drain pipe, and at this time, the drainage can only go to the car, that is, we find that the car is leaking.

There is a leak in the sunroof, then the second is that sometimes our car sunroof has a leakage, because some sunroofs have some aging or some damage to some of their sealing strips. Then in this case, there will be water leakage, and most of the cases like this are because we have poor sealing of the windows, which leads to drainage problems. Therefore, at this time, we can also send our cars to some 4S shops for some maintenance, which can solve this problem well.

Depending on the situation, you can actually apply for insurance claims for water leakage in your car, but it depends on the cause of your car water leakage. If your car is damaged and causes the car to leak, then you can apply at this time. But if you just park your car under some trees, causing the drainage pipes to be blocked and the water not draining out, there is no way to apply for insurance claims in situations like this.

Water leaks in a car can be caused by aging window strips or blocked door drain holes. If you have purchased compulsory traffic insurance before, you can apply for insurance claims.

If the car leaks, it is likely that the lid of the water tank is not tightly covered, or there may be a problem with the connection port of the water tank, or it may be that the water is too full, in fact, it is also possible that the vehicle is damaged, or there may be a problem with the water pipe. And if such a problem occurs, as long as you buy car insurance, you can get compensation.

It may be because there is some problem with the car's water tank, or the car's internal parts are loose, so this phenomenon will be caused, and you can apply for insurance claims, if you are covered by full insurance.

There should be a problem with the water tank, or it is possible that the device is loose. It should be possible, as long as you communicate with the insurance company in time, so that you can get the corresponding results.

There are two types of insurance related to vehicle wading, one is the most common car damage insurance, and the other is called engine special loss insurance, commonly known as wading insurance. Among them, the scope of application of wading insurance is small, generally due to the various expenses incurred by the engine entering the water under normal driving conditions, provided that the engine must not try to start the vehicle after the water penetrates, but there are relatively few people on this insurance, especially in the north, so it is important to talk about the conditions that need to be met for claims through car damage insurance.

Heavy rainstorms have met the conditions of natural disasters, so basically all the losses of the vehicle can be covered by car damage insurance. If the vehicle is soaked in water, as long as the engine is not flooded, just replace parts, repair circuits, etc., it is covered by car damage insurance. Even if the entire car is completely damaged by a rainstorm, the insurance company can compensate according to the total loss.

However, in one case, the insurance company will not pay compensation. That is the damage caused by the owner of the vehicle still forcibly starting the vehicle after the vehicle is flooded. If the road is flooded, the insurance company will not compensate for the loss of the vehicle caused by the car owner still wading in the water in the event of a foreseeable breakdown.

But most car owners are not aware of this regulation.

If my car is flooded, can the insurance pay for it? How do I apply?

Summary. Hello, the insurance company will pay for it.

Hello, the insurance company will pay for it.

How to pay? If the engine gets water, the insurance company will repair the engine.

Is it only responsible for repairs?

The engine is fine, it's just that the seats are soaked in water.

Yes, it is only maintenance, and the claims arising from vehicle wading can be divided into three parts: 1. Vehicle rescue costs; 2. The maintenance cost of body parts due to water immersion; 3. The maintenance costs caused by the water ingress of the engine are sleepy.

So what if there is no problem now, and there will be a problem in the future.

It mainly depends on what the problem is, as long as it is within the scope of insurance claims, you can make a claim.

With the continuous development of society, our lives are also changing, whether it is our spirit, life or entertainment. Especially with China's continuous economic reform and infrastructure construction, the economic level of each of us has been greatly improved. The car is an efficient means of transportation, and the previous car ** was very expensive, and only local tyrants or bosses could afford it.

However, due to the continuous strengthening of China's industry, the first car has been very close to the people, even an ordinary person can buy a favorite car. Having a car of your own is a huge difference in life, and you don't have to be on a crowded subway with a group of people like you used to be, or worrying about the fare while taking a taxi. But it is undeniable that there will be all kinds of troubles after having a car, such as the recent frequent extreme weather in China, heavy rains have fallen in many places, and many vehicles have been flooded due to the excessive rainfall.

At this time, there is a question involved, will the insurance company compensate if the car is flooded on the side of the road? There are several situations involved in this question, and I will give you a specific explanation below. <>

1.You need to make sure you have wading insurance.

First of all, you need to make sure that your vehicle has car damage insurance or wading insurance, and only if you have both types of insurance can you get compensation. After all, it is impossible for an insurance company to insure you of a vehicle for free. <>

2.Contact your insurance company.

If the vehicle is affected by a natural disaster, such as flooding. At this time, you should quickly call the insurance company and ask their salesman to come to the scene to inspect the site for damage assessment. Only after this step can the insurance proceed to the next stage of claims. <>

3.A second start is not possible.

The insurance regulations clearly stipulate that there will be no compensation for damage caused by a second start after wading, so do not start the vehicle a second time after being flooded, and the insurance company will give you the compensation you deserve if you meet the above three conditions.

I will definitely make a claim, because there is a problem with my car, and I have also bought relevant insurance, so I will definitely compensate.

In this case, the insurance company will pay the claim, because you did not move the car, it is an accident, so the insurance company will make a claim.

In this case, the insurance company will also pay a claim, because the vehicle has been worn, and it is also caused by some unexpected reasons, so the company will pay a certain amount.