Will the insurance company pay for the car soaked in water in the rainstorm? How to travel safely?

There have been many rainstorms recently, and there have been frequent rainstorms. The water accumulated on the road surface caused by heavy rain is annoying. How do car owners and friends wading without taking risks? If the vehicle is soaked in water, will the insurance company compensate for this situation?

* Judge whether you can wade.

A pair of keen eyes can nip danger in the bud. Before wading, carefully observe the depth and velocity of accumulated water to judge whether it can pass safely. If the water level reaches 2/3 of the tire or bumper, don't drive rashly. In addition, the wading ability of pure electric vehicles is better than that of fuel vehicles, but if the water is deep, please drive carefully and try not to go to the wrong place. Try not to go out in extreme weather.

* Matters needing attention in wading driving

1, driving at low speed and constant speed

First drive slowly into the water at a low speed, stabilize the direction and avoid stalling halfway. If the wheels slip and sink on the way, don't slam on the accelerator in a panic. You should contact professional rescuers in time and wait in place.

2. Abnormal parking speed

If you feel the engine shaking and running unsteadily, it is likely that there is water in the engine compartment. Don't continue wading at this time, turn off the fire immediately.

Tips: If the car suddenly turns off during wading, don't try to start it again, so as to avoid water being sucked into the engine cylinder and the engine connecting rod bending due to reaction. In serious cases, it may even break and damage the engine block!

3. Turn off the air conditioning system

Remember to turn off the air conditioning system and external circulation before wading to prevent stagnant water from entering the car through the air inlet.

4, close the automatic start-stop system

In order to prevent the automatic start-stop system from causing water in the engine cylinder when driving in water, the automatic start-stop function must be turned off before driving.

* Don't take it lightly after wading.

Don't think that driving out of the stagnant water area safely will be all right. You should continue to drive slowly at low speed for a period of time, and at the same time, lightly step on the brakes to drain the water seeping into the brake system. After parking, carefully check whether the lights, air filters, air inlets and engines are flooded. If water mist is found in the headlights, you should go to the 4S shop for professional maintenance in time.

* How to save yourself in case of danger

Don't panic when you are faced with a threatening storm and a flooded road that you can't escape. These self-help tips can be used at critical moments, so remember them quickly.

1, disconnect the power supply.

When waiting for rescue, disconnect the power supply at the first time and put it in neutral.

Step 2 break the window and run away

When the vehicle circuit is short-circuited and the water pressure outside the window is too high, the windows and doors cannot be opened. Use tools to break the window and escape in time. Once the water in the car exceeds the waist, you will not be able to open the door. You can pull out the headrest, tap the lower corner of the window with a steel bar, or insert the headrest steel bar into the groove under the window, press the headrest, and pry hard to break the window. Try to stand on the roof of the car after escaping, so as to call for help or wait for rescue.

* Will the car soak insurance pay for it?

Usually, when we apply for insurance, the insurance company will attach an insurance clause of commercial insurance, clearly stating "insurance liability" and "exemption". According to the relevant provisions of the insurance clause, vehicle losses caused by general "natural disasters" such as rainstorm, flood, landslide and debris flow belong to the insurance liability of vehicle damage insurance in commercial auto insurance, and the insurance company will make claims. Therefore, the insurance company will be responsible for the direct loss of vehicles caused by the flooding of vehicles caused by heavy rain.

1, car damage insurance

The insured or its permitted driver has an insurance accident while driving the insured vehicle, resulting in damage to the insured vehicle, and the insurance company will compensate the insured vehicle within a reasonable range. Car damage insurance is insurance against the loss of the vehicle itself. No car damage insurance, no additional insurance. Common car damage: collision, overturning (rollover), natural disasters (hail, rainstorm, explosion, etc. ).

If the vehicle is parked on the roadside, residential area, underground garage and other flooded places, as long as the vehicle has purchased car damage insurance, it is also within the scope of auto insurance claims.

Here, the owner needs to pay attention to a problem, which is limited to the situation that the vehicle is in a stopped state and has purchased car damage insurance. On the contrary, if the vehicle is damaged due to rain immersion or improper operation by the driver when driving in the rain, even if you buy car damage insurance, you may not be able to enjoy all the claims for car damage, such as the failure caused by engine water intake.

In addition, when the vehicle stops and enters the water, the compensation scope of the vehicle damage insurance is limited to the original configuration of the vehicle, such as the interior decoration carried out by the owner, and the damage of high-grade audio will not be paid.

If the owner also bought water insurance, then the engine damage caused by the insurance vehicle wading or being flooded on the stagnant road surface can be compensated. However, if the owner forcibly starts the engine after being flooded, causing damage, then the insurance company will not compensate. (For vehicles that bought auto insurance after September 19, 2020, water-related insurance has been classified as commercial insurance after the auto insurance policy reform, so these car owners can also enjoy the claim for flooding of their vehicles. )

2. Engine special loss insurance

Also known as "water-related insurance", cars with car damage insurance can be covered by this insurance. In other words, without the main insurance of commercial insurance, this can't be taken.

When the vehicle enters the water, the vehicle damage insurance can pay for the damaged part of the vehicle except the engine, and the resulting engine damage can only be paid by the water insurance. Responsible for the reasonable expenses of rescue of insurance vehicles when wading or wading on water-logged roads. The engine damage caused by the flood can be compensated.

However, if the owner forcibly starts the engine after being flooded, causing damage, the insurance company will not compensate even if the water-related insurance is purchased.

All vehicle insurance does not include water insurance, and vehicle damage insurance does not include engine loss insurance. Many friends think that everything will be fine if you are fully insured. In fact, many times, "all risks" does not include "water insurance". The so-called "all risks" generally refers to all main risks (three risks, car damage insurance, theft insurance, compulsory insurance), and additional risks such as water-related insurance need to be purchased separately. As an exemption, if you want to insure the engine, you must buy additional insurance for the engine.

Note: In the insurance rules of insurance companies, only vehicles that have passed the annual inspection will be claimed, and vehicles that have not passed the annual inspection are unqualified vehicles, so insurance claims cannot be made.

Article source: SAIC Volkswagen Vtraining