When typhoon comes in summer, there will be torrential rain without correction. What should we do if the vehicle enters the water carelessly? Will the insurance company settle the claim after the vehicle enters the water? These two questions must be what many people want to know. Let's get to know.
1. Careful wading
If the vehicle is flooded with water and the water level is high, do not start the engine forcibly. First, turn off the power supply and contact the insurance company or the repairer for treatment on site;
If any parts are found damaged, claim can be made to the insurance company. It is worth mentioning that do not 'collect oil' when passing through the accumulated water, so as to prevent the pipeline from sucking water into the engine.
2. Do not restart after flameout
If the cylinder is still forced to ignite under the condition of water inflow, it will cause serious wear of engine piston and cylinder block, and even lead to engine scrap. The right way is to wait for the rescue in place.
3. Take photos and get evidence
Save the photos of the car soaked in water, which will be used for insurance claims and even lawsuits in the future.
4, Trailer
Timely ask the trailer to tow the car to the maintenance point. The owner can ask the insurance company for trailer assistance. Many insurance companies also have such rescue projects.
It's really not good. You can call the trailer company at your own expense, but you must pay attention not to let some unprofessional personnel of the trailer company power up the vehicle. When towing, you must put the transmission in neutral!
Can we settle the claim after the vehicle is flooded?
When the typhoon comes in summer, how can we report the insurance to get the maximum compensation when our car is soaked in rain? First of all, we need to know the claim conditions of the water vehicle. Is it all right for the owner of the water vehicle to pay 100% of the total compensation?
In fact, it's not! In the insurance clauses, the scope of claims for vehicles involved in water is clearly stated: "water insurance is only for the insurance of the automobile engine itself and the external parts of the engine body (only including the engine). Many people think that the compensation for the whole vehicle involved in water insurance, such as the gearbox and other parts of the automobile are not compensated." do you think it's very overlord?
1. Measures for non compensation of vehicle damage:
Turn out your insurance policy and find out the car damage clause. See you guys? The car damage clause has an explicit claim scope: except for the war, earthquake and other irresistible external forces, the car body damage during driving or static parking is within the claim scope, so why can't the car body damage soaked by rainstorm claim?
All electrical appliances, seat motors, airbags, etc. soaked in water will be compensated one by one! Of course, don't forget to collect evidence of the rainstorm on that day (local newspaper weather or high-pressure Weather Bureau report).
2. No claims for secondary damage of engine:
First, when the road is wading, the water level is relatively high, which has not passed the air intake system of the engine, or the water splashes into the air intake pipe, the engine is smothered, and the car falls into the water, the river. Losing control and falling into the water can be compensated.
Secondly, after the vehicle owner drives the Wade engine, do not start the engine twice. The surveyor of the insurance company will first check whether the engine is caused by the second time of starting. If the engine is started again, basically all the valves will be broken, and the piston will be broken. There is no cylinder pressure, and the engine is almost scrapped. In this case, the insurance company will not compensate.
So how to identify whether it is a second start? In fact, there is no way to identify, because the engine is soaked in water and inhaled slowly. The first water intake is that the engine has more air and less water, which makes the engine unable to burn normally and cause detonation, which will directly damage the engine valve top bend, so you only have to insist on not admitting that there is a second start action, and you have no way, ha ha!
How should the insurance company compensate or how to compensate? Even if it goes to court, it is also the insurance company's compensation!