On 20 july, henan province experienced extreme rainfall, which exceeded historical extremes since weather records at national meteorological stations in zhengzhou. Heavy rains have resulted in multiple roads and heavy flooding, with many vehicles trapped in the water. So the insurance company that lost the vehicle when it was flooded? How? How much? Today we're going to have a clean slate。
Q: how should vehicles be treated in different situations when they are in water
If the water is below the seat, only the vehicle floor has a small amount of water, and the loss is largely modest. However, professional maintenance agencies are also required to completely remove the underside of the vehicle, clean and dry, and avoid the smelling of late vehicles。
If the level of water exceeds the seat cushion, many electrons in the vehicle are likely to enter at this time, and engines, speedboxes, etc. Need to be carefully checked and maintained. In such cases, vehicle maintenance may take longer and there may be risks of later use。
Once the water level exceeds the medium control, consideration is given to whether vehicles should be disposed of. The insurance company normally assesses the residual value of the vehicle, repair costs plus the residual value of the vehicle, and, in consultation with the owner, directly requests an exemption from the write-off of the vehicle, paying compensation to the owner of the vehicle。
Question: what insurance might be used if the vehicle was flooded
Vehicle loss insurance, short of vehicle loss insurance. During the insurance period, the insurer is liable under the insurance contract for the loss of insurance vehicles as a result of collisions, overturns, fires, explosions, falling outside objects, collapses, thunderstorms, cyclones, storms, floods, landslides, ice traps, cliffs, avalanches, hails, mudslides and landslides. Thus, the costs of rescue, cleaning costs, loss of electrical appliances, loss of contents, etc. Resulting from the flooding of the vehicles are covered by the insurance policy and should be reimbursed by the insurance company. The sole damage to the wheel, the broken glass, the scratches of the body without visible impact marks, the loss of additional equipment, and the damage to the engine that resulted from its watering were not covered by the loss of the vehicle。
Water loss insurance for engines is an additional risk for the owner of the vehicle purchased for the engine, which is covered only when the vehicle is insured. During the insurance period, the insurance vehicle was used for the direct damage to the engine resulting from the watering of the engine and the insurer was liable for compensation. The scope of compensation for water risk includes motor damage caused by the operation of the insured vehicle in the water-related section or by the flooding of the vehicle, for which the water risk compensation clause applies。
At the same time, two other issues should be noted: first, the water risk only compensates the vehicle engine for the damage it caused and the damage to other parts of the vehicle as a result of the water intake, which is always covered under the terms of the vehicle loss insurance; moreover, only the damage to the engine resulting from the flooding is covered by the water risk compensation, and in the case of damage to the motor as a result of the rupture of the belt, the gas door, etc。
Question: does the insurance company pay compensation for the heavy rains that caused the vehicle to shut down and the vehicle to be activated again that caused engine damage
Response: whether the vehicle that is moving into the vehicle vent leads to a fire out, or the vehicle that is parked in the sector, the vault, the street, etc., is without water, it is likely that the engine will be damaged if the vehicle is fired again. This situation falls under the “extension of loss” clause of the exemption from liability under article 10, paragraph 3. In this case, therefore, even if the engine was insured for loss of water, no compensation could be awarded。
In the absence of a second start-up of the vehicle, the claim may be settled through vehicle loss insurance. Before applying for compensation, the insurance company's trailer service could be used to transport the vehicle to the nearest fixed point of loss of the relevant insurance company。
Q: how do you apply for insurance when a vehicle is inundated
First, it must be within 24 hours to call the insurance company. At the same time, photographs were kept of the vehicle when it was flooded. It would be preferable to keep a newspaper that covered the heavy rains of that day or a certificate that would indicate the weather of that day. The third step is to prepare the relevant documents, and the on-site inspection by the insurance company's personnel will require presentation, including identification cards, driving permits, driver's licences, bank cards, etc., and ensure that the documents are valid for the duration of their validity. This will be followed up with the insurance company's settlement of damages, the reconciliation of the maintenance loss list and, finally, the repair of vehicles based on the confirmed maintenance project。
Question: how does a parked vehicle fall off the ground due to rain and float into other vehicles or objects
Anticipated or forced vehicles, if the vehicle has not been re-started, the water floats off the ground and the flow of water forces them to impact other vehicles. They should first contact the traffic police to determine their liability and, after issuing a certificate of liability, be reimbursed through the insurance company of the responsible party。
Correspondingly, the loss of a vehicle may also be compensated through vehicle loss insurance if it impacts static objects such as houses, utility poles and trees after drifting。
Q: what is the difference between compensation for pure electric cars and conventional fuel trucks
A: a pure electric vehicle, unlike a fuel engine, needs air exhaust, which can easily lead to a fire outburst, so its water-related performance is better than that of a fuel truck. On the other hand, pure electric vehicles have heavier batteries on their floors, have low gravity and are not easily washed away by heavy water, and water-related vehicles are more stable。
However, it is not possible for a pure electric vehicle to be absolutely safe, especially if the battery pack is damaged after a long period of severe impregnation of the pure electric vehicle or in the event of a serious external collision. The owner is still required to perform certain insulation measures, or to find professionals to perform rescue operations。
In the settlement of claims, the new energy vehicles are still insured under the traditional fuel vehicle structure and are not insured against the power cells alone, so the costs incurred by the water bubble and the replacement of the batteries are not covered by the insurance companies. Also, because of the high cost of replacing batteries, the current cost of replacing batteries is almost one third of the body price and can be treated for end-of-life treatment if battery bags are damaged. As a result, high insurance premiums and low price settlements are prevalent。
Integrated/singbian
