After the heavy rains, the damage to the vehicles was not so complicated: if they were insured, they could be compensated, but they must have done three things and refused to do so — second fire, knowing that the water was so deep that they could not be reported for more than 48 hours。
After the car insurance reform, you don't have to buy it alone
Many do not know that, following the vehicle insurance reform of september 2020, “water-related risk” has been covered free of charge. All you have to do is buy a car and lose, rain, flood and bubble. The engine's in the water — normal, full. No car loss insurance? That's not gonna pay。
It's a matter of settlement. One word to keep you on track
After the vehicle was flooded, the four steps followed and the 48-hour check-in was an approximate event:
Three things, you can't get paid
In addition to the second fire, two things are equally deadly: knowing that the storm warning is dangerous to water, it is deliberate risk of leaving the case open and refusing to pay compensation; and the fact that the case was reported more than 48 hours later and the self-cleaning of the site resulted in an unapproved loss。
What's the plan for the settlement
Material required: driving permit, registration certificate, owner identification card (copy sufficient), vehicle full key。
Supporting material: scene photographs, storm-warning screens from meteorological services, certificates of bubble water from property or parking spaces. These are not necessary, but can help you to reduce the compensation cycle from a few days to a few hours。
New energy truck, one more test step
When new energy vehicles are involved in water, it is recommended that a battery-pack sealing test and a high-pressure system insulation resistance test be performed at the 4s store within 48 hours, even without warning. Eighty per cent of hidden malfunctions occur within 48 hours, late and maintenance costs double. In addition, no high-pressure water gun should be used to flush the chassis, which would pour water into the battery bag。
In conclusion, you don't have a pit until the fire is shut down, you report it within 48 hours, and the insurance company will lose it — all three of these actions have been done, and you won't have a pit。
