Water-related insurance claims The water-related insurance premium for flooded vehicles is about 5% of the car damage insurance.

Water-related insurance claims The water-related insurance premium for flooded vehicles is about 5% of the car damage insurance.

In the heavy rain, vehicles are flooded from time to time. If the owner is insured against water-related insurance, the engine loss of tens of thousands of yuan can be settled. As we all know, when a vehicle enters the water at rest, it will generally not cause internal damage to the engine. As long as the owner has insured the car damage insurance, the insurance company will pay for the loss of the electrical equipment and interior of the vehicle. Once the engine water is damaged, it does not belong to the scope of vehicle damage insurance, but belongs to the scope of water-related insurance.

The premium of water-related insurance is about 5% of car damage insurance. A family car with a price of 1.5 million yuan, and the water insurance is about 1.000 yuan. Although the probability of engine damage caused by vehicle wading is very small, once it happens, it is worth tens of thousands of yuan for the "heart" of the car. At present, all major insurance companies can take out additional water-related insurance under car damage insurance.

Experts remind that car owners should not only check whether their insurance policies have water-related insurance, but also increase their common sense in the process of using cars. For example, when driving in a rainstorm, no matter whether parking is flooded or wading, the ignition must not be started again after the vehicle is turned off, that is, "secondary ignition". This will artificially cause engine damage. At this point, the owner should immediately get off to a safe place and call the insurance company, public security traffic police, 4S shop and other telephones for help. Or find someone to maintain it on the 56 foreign affairs sub-platform.

If the water is deep, when you open the doors and windows of the vehicle, the water will flood in quickly, so you should collect important items on the vehicle, especially mobile phones and documents, before you get off. In addition, many insurance companies have free rescue services, so you can choose to call the service numbers of each company as appropriate.