When the typhoon and rainstorm hit, how to compensate for the damage of the car? The south is suffering from the typhoon recently, accompanied by the storm, which causes many vehicles to be damaged in different degrees, so does the vehicle damage insurance company compensate for the damage in the typhoon and rainstorm weather?
Compensation for static inundation as' natural disaster '
According to the provisions of the loss insurance of the family car, during the insurance period, the insurance company will be responsible for the compensation for the loss of the insured car caused by the rainstorm, flood and other natural disasters during the use of the insured car by the insured or its permitted legal user.
If the car is parked in the community or the underground garage flooded and causes losses, as long as the vehicle is covered by the vehicle loss insurance, the insurance company will compensate according to the natural disaster. Now what we have to do is: don't move the car, take a picture first, then report to the police, and then we can!
It is suggested that after the accident, the owner should not try to move or start the vehicle, and report the accident as soon as possible, and the time should not exceed 48 hours. As for the specific compensation for the loss of the car, it should be insured according to the owner's insurance policy. If the water overflows the dashboard, the insurance company will consider paying in full.
No compensation will be made for water entering the engine due to wading
Many cars stop on the road because of wading. In this case, it depends on the specific damage of the car to settle the claim. According to the insurance clauses, the insurance company will not be responsible for the compensation of the engine damage caused by the water inflow of the engine. In addition to the engine, other parts of the car damage, such as interior decoration, computer board, etc., will be determined as the responsibility of compensation according to the specific situation.
The staff reminded that in general, if the vehicle stalls in the water, there is a 50% possibility of engine damage; however, if the engine starts again after stalling, the engine must be 'reimbursed'. Be careful not to start the car again after stalling.
What should I do if the lamp pole falls down and smashes the vehicle?
A heavy rain has loosened the foundation around the lamp pole, and the lamp pole has fallen, which just hit the parked private car below. What should I do?
According to relevant professionals, the loss of vehicles caused by falling objects or light poles in heavy rain belongs to natural disaster, and the loss caused by vehicles washed away by heavy rain also belongs to vehicle damage insurance.
No claims for vehicles not inspected annually
Especially remind the car owners who have not been inspected annually. Because of the long time of annual inspection, many car owners easily forget that if they happen to have an accident in this period of time, the insurance company will not pay compensation. It is pointed out in the insurance regulations that insurance companies only take effect on qualified and legal vehicles. The vehicles that have not been inspected annually are unqualified vehicles and cannot be driven on the road according to the regulations, so the insurance company will not pay for them.
[reminder] the owner's friends must pay attention to the time of annual inspection of their own vehicles. Generally, the time of annual inspection is any day of the month of the annual inspection.