In the recent past, the country has experienced heavy rainfall
It's causing water to accumulate in many sections
It's a lot of trouble to give a driver a ride
If you're wrong about the water depth
Come in
It's easy to cause vehicles to shut down in water
Face the water in the road
What should we do
What damage would it do to a watered vehicle
Does the insurance company pay for it
You'll find out
It's not easy to start a car
In general, there are two main circumstances that cause vehicles to shut down in water: the driver's overconfidence and misjudgement of the depth of the water being accumulated; and the driver's inexperience and blindly involved in water travel. In either case, the driver must first determine the height of the water when the vehicle is suddenly out of fire during the course of the water。
If the water is not inundated with the seat, but is immersed in the tyre, the driver may attempt to activate the vehicle and move it to a high-level security position after determining that the air cell of the engine is not immersed. It should be recalled that air cells are placed in the air vents of the engines, consisting of paper filters, which are generally opened with specialized tools. If the driver doesn't know much about the car, do not move it at will。
If the water has been flooded to the position of the vehicle, the amount of water accumulated exceeds the vent or is poured into the vent, then 100 per cent of the water will enter the engine and change the internal pressure, eventually causing damage to parts inside the engine, repair costs amounting to tens of thousands of dollars, and serious losses will occur. The best way to deal with this is to call rescue telephones from insurance companies, 4s stores or repair workshops, where the trailer drags the immersion vehicle to 4s stores or repair workshops。
In this case, the driver should try not to drag time because of the corrosive nature of the rain, which can damage parts such as electrical, circuitic, etc. Inside the vehicle. The longer it takes, the greater the cost of maintenance。
Maintenance based on damage
The immersion is different and the maintenance is different. If the vehicle enters the water, the driver will spend hundreds of dollars on cleaning the beauty or replacing small parts. For example, when large lights, taillights come into the water, the 4s shop or repair plant usually discharges water from the lamps and replaces damaged components at no high cost。
In the case of water in the vehicle, the 4s store or repair plant also removes the water and then removes the immersed parts and drys them. If electrical equipment is involved in the vehicle, only the wire beams will be repaired, depending on the damage and if it is not serious; if there is serious damage, they will be replaced directly. At the same time, interior fittings, air conditioners, etc. Should be cleaned and dried as soon as possible in order to avoid material deformation and alienated by prolonged immersion and short circuits due to dampness。
If the engine goes into a small amount of water and the driver does not start again, maintenance costs will not be high. The most serious is the massive influx of engines into the water, and the number of drivers is activated and the casks are vulnerable to pressure. This would cost at least tens of thousands of dollars for maintenance, and the higher the cost of motor maintenance。
In the case of vehicles that have been repaired after immersion, the question of whether there will be minor problems in the future will need to be determined depending on the position and the timeliness of maintenance. If the water reaches two thirds of the vehicle, even if repaired at that time, there will be more or less minor problems in the future, such as a noise in the vehicle, failure to activate, failure of light and failure to light the light. In this case, 90 per cent of the owners would choose to sell。
Water risk claims
Different insurance companies have different provisions. In general, water-related risks have a 15-20 per cent exemption rate. In other words, insurance companies only pay 80 to 85 per cent of the loss of vehicles, with the rest being borne by the owner. There are, of course, insurance companies that offer non-compensation projects involving water risk, and owners receive 100 per cent compensation. So, under what circumstances would the insurance company pay for the damage? Under what circumstances
Specifically, when the vehicle is flooded, the driver first chooses to stop the fire and avoid flooding the gas door, causing damage to parts such as engines. The second was to call the insurance company to report that the staff member had made an order of loss on the ground or that the rescue truck had sent the vehicle to the insurance company for a fixed point of loss. Thirdly, it does not go beyond the safeguards provided for in the water-related risks. In these cases, the insurance company can settle the claim。
If the driver is aware that the water is overstretched and is involved, the insurance company will assume that the vehicle was intentionally damaged; the other is that, after the fire has been out, the driver sets the vehicle up twice, causing engine damage. In both cases, the insurance company would refuse to pay compensation。
In another case, where the vehicle was damaged as a result of water entering the garage, the insurance company also refused to pay for the damage, as it fell within the scope of the accident and was not covered by the water risk。
The reminder is that the amount of the settlement may be used either once or repeatedly. During the life of the water risk, the owner ran out of insurance coverage and the water risk was automatically terminated。
Summary
When the area of the road is deeper, the driver should, first, park the vehicle in a safe place so as not to accumulate water into the vehicle, and, secondly, not drive easily into the water and avoid causing engines to enter the water. If the vehicle is unfortunately flooded, it is necessary to call the insurance company first or tow the vehicle to the repair point designated by the insurance company。
Many people now have increased their security awareness and have opted to buy water-related insurance while purchasing vehicle losses, so that they can receive some compensation in case of vehicle flooding. However, once the vehicle has gone out of fire, it is important not to start the engine blindly, which would have serious consequences。
