What should I do if my vehicle is flooded due to heavy rainfall?

If the vehicle is flooded during heavy rainfall, the first thing to do is to stop immediately and abandon the vehicle for self-rescue. If the vehicle is flooded in a stationary state, you must pay attention not to drive easily, because at this time it involves the issue of insurance claims, and the owner must be clear about several matters to prevent being rejected by the insurance company when making an insurance claim. <>

In the event of heavy rainfall and the vehicle is flooded, what should I do to maximize the claim? <>

When an insurance company makes a claim for a flooded vehicle, it will make a claim in the following two situations.

1.The vehicle is flooded in a stationary state

As long as the vehicle is flooded in heavy rainfall, the vehicle does not start. Then, as long as the owner has purchased car damage insurance and wading insurance, the cleaning costs of electrical appliances caused by water ingress in the cockpit, cleaning costs such as water ingress in the interior and engine losses, can be claimed. Remember!

Be sure not to start it twice, as long as it is started twice in the case of flooding, the insurance company will not pay the claim at all.

2.The vehicle was flooded while driving in heavy rainfall

Of course, it is also possible for the vehicle to be submerged in deep water due to underestimation during driving. In this case, the insurance company can also make a claim, and the interior of the vehicle, circuitry, etc. can be claimed according to the actual situation. If you have water insurance, you can pay for your engine even if you get flooded while driving.

But just like static flooding, the vehicle is flooded in the water and turns off, and the best way to deal with it is to get out of the car and rescue yourself first. As long as there is no secondary start, the insurance company will not refuse to pay for serious damage to the engine caused by man-made. If the vehicle is flooded, just turn off all the systems and get out of the car, try not to do anything to prevent the engine from flooding for the second time, and the insurance company refuses to compensate.

During the flood season, many vehicles are flooded, and in this case, as long as there is insurance, most of the losses will be recovered, so it is very important to buy vehicle insurance. Not only that, but when you experience heavy rainfall, try not to park your car in an underground garage or in a low-lying area, and it is best to park your car in a high place. It is also very unsafe to drive on the road in a rainstorm, try not to drive out in bad weather.

Turn off the vehicle and call the police for help in time. It is forbidden to start the engine when the vehicle is flooded, otherwise it will suck water into the engine and cause damage, the best way is to call the police and wait for rescue.

Don't move the car first, take a ** and then report the case, if you buy car damage insurance, the insurance company will pay, if you start the car, then the insurance company will not pay.

The vehicle should be parked in a suitable position in time, turn off the engine in time and leave the car to close the doors and windows, and use impermeable and impermeable items to block the exhaust pipe to ensure the airtightness of the vehicle, and then negotiate with insurance after the rainfall.

I think that if there is heavy rainfall, the first thing to do is to protect your own safety, and then you should wait until the water recedes to get an insurance company.

It is best to find an open high place to take shelter, otherwise evacuate the people in the car first and take refuge in a safe place to ensure the safety of the personnel.

In this case, you can actually make a claim to the insurance company. If you don't know it, don't move the vehicle easily, and wait for the water to recede and choose to find a professional to repair it.

You can find a trailer to tow the car out, never ignite, otherwise the engine may be damaged, and it should be maintained as soon as possible after being towed out.

This kind of thing is an accident caused to the damage to the vehicle, if you have insurance, you can contact the insurance company for compensation.

During heavy rains, low-lying areas can easily be flooded. Parking in the open air on rainy days is better than underground parking. Find a tall, open area.

Even though the underground parking lot is more formal and the drainage facilities are more perfect, there is still a chance of flooding if the water flows downward, so it is safer in the open air in the high ground than in low-lying areas such as underground parking lots.

However, it should be noted that if the car is parked outdoors on rainy days, the paint surface of the car will also be corroded by rainwater, causing rain marks, oxidation, and even cracking. Rainwater can also flow down the joints of the car body, causing rust and corrosion of the iron.

When it rains heavily, the underground garage is relatively unsafe, and there will be insecurity and hidden dangers. The old underground parking lot, the garage with imperfect drainage facilities, now the underground parking lot is more formal, the drainage facilities are more perfect, and there will be basically no flooding in the underground parking lot, but the water flows to the lower place, and the higher place is always safer than the low-lying place such as the underground parking lot.

The waterproofing of the underground garage is based on the water level of the drainage system of the surrounding streets. In short, the proper drainage of the garage is guaranteed, provided that the streets are not flooded. If the street is flooded during the rainstorm and the garage cannot be drained normally, it is easy to cause water accumulation in the underground garage when it rains, so that the underground reservoir is flooded, and the vehicle is likely to be scrapped.

During heavy rains, the underground garage is not relatively safe, and there will be unsafe risks. The anti-drainage of the underground garage is based on the anti-shooting water level of the drainage system of the surrounding streets, which is simply to ensure that the garage can be drained normally, provided that the streets are not flooded. If the street is flooded during a rainstorm and the garage cannot be drained out normally, it is easy to cause the underground garage to be flooded when it rains, so that the underground reservoir will be flooded, and the vehicle is likely to be scrapped.

If developedquotientIf the construction is not carried out in accordance with the relevant standards, resulting in the underground garage being prone to water ingress and unable to drain normally, then the developer shall bear some responsibility for the loss of the owner;

Generally, in rainy weather, we try not to park the car in the underground garage or low-lying places, and should put the car in a relatively high place to prevent flooding.

It is possible to park the car on a high ground, it can be parked in an underground garage, it can be parked outdoors, and the tires are locked.

I think I park my car in a high place on a rainy day, because low places are prone to rain and cars are prone to flooding.

Park your car in an underground parking lot on elevated ground in the area and never expose it to the outdoors.

Park your car in a safe area, on higher ground, in an underground parking garage, and never expose it to the outdoors.

The car should be parked at a high place, although the underground garage in the community is convenient, but due to the low terrain, the vehicle is easy to be flooded in the event of heavy rain.

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.

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.