Traditional Culture Encyclopedia - Weather forecast - How to insure against heavy rain in summer?
How to insure against heavy rain in summer?
Many friends have suffered a "disaster" in their car.
What if the car is soaked in water?
Will the insurance company pay for it? Then how to take insurance?
Don't panic, Xiaowa will answer them one by one.
Car damage insurance can compensate for the loss of vehicles caused by heavy rain.
Usually, when we apply for insurance, the insurance company will attach an insurance clause for commercial insurance. According to the relevant provisions of the insurance clause, the "insurance liability" and "liability exemption" are clearly stated, such as rainstorm, flood, landslide and debris flow. Vehicle losses caused by "natural disasters" belong to the insurance liability of vehicle damage insurance in commercial auto insurance, and insurance companies 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.
First of all, we need to know what kinds of insurance can help you reduce losses in natural disasters.
Car damage insurance: compensation for the loss of the insured vehicle itself.
Water-related insurance: compensate for the direct loss of the engine caused by water inflow.
Three risks: compensation for direct losses of people, vehicles and things caused by insured vehicles.
Glass insurance: compensation for broken glass is extra.
Deductible: auto insurance deductible compensation.
First of all, let the flooded car damage insurance in stations and parks pay.
If your car is unfortunately flooded when parked in a residential area or underground garage, as long as the automobile commercial insurance covers the vehicle loss insurance, the insurance company will pay according to the natural disaster. The specific compensation of the car should be determined according to the insured amount of the owner's policy and the results of the inspection and loss determination. The amount of fixed damage repair exceeds 50% of the insured amount of vehicle damage insurance (that is, the existing value of the vehicle). Insurance companies usually evaluate the residual value of vehicles. If the maintenance fee+residual value is greater than or equal to the amount of car damage insurance, they will negotiate with the owner, go through the formalities of scrapping the vehicle directly, and pay the owner the amount of car damage insurance without maintenance. For example, if water overflows the dashboard, the insurance company will consider paying in full. The compensation scope of car damage insurance is that only the insurance company can compensate for the damage of the original factory configuration, and the accessories upgraded by itself, such as driving recorder and advanced cushion, are not compensated.
Second, water-related insurance is required when the engine enters the water during driving.
There is still a lot of traffic in the street on a rainy day, and many cars stop halfway because of wading, or stall and break down because of water on the road. In this case, according to the insurance clause, the insurance company will determine the liability according to the specific situation, which is consistent with the above parking damage insurance.
For the engine damage caused by engine water inflow, it is necessary to start the engine water insurance to compensate. Water-related insurance is an additional risk of car damage insurance, and the absolute deductible rate of 15% is implemented for each payment, so it is necessary to pay attention to the choice of excluding deductible insurance when insuring auto insurance. If the engine is flooded during the second start-up, the cost of repairing the engine will not help even if it is covered by water insurance, which is why it has been repeatedly emphasized that the car should not be started after soaking in water.
Third, being smashed and hit depends on the situation.
Losses caused by cars being hit by broken trees, telephone poles, billboards, etc. When the rainstorm weather is a loss caused by natural disasters, the insurance company will make claims after inspecting the goods according to the degree of damage.
For example, if the car body and the car glass are damaged at the same time, or if the car body is smashed alone, it can be paid by car damage insurance. If there are no obvious collision marks on the car body, only the car glass is damaged, and the car damage insurance cannot be paid, so a separate glass damage insurance is needed. Here, you need special attention. The skylight glass is not covered, so you need car damage insurance compensation. Similarly, car lights and rearview mirrors also need to be paid by car damage insurance. If there is personal injury in this car at the same time, you need to pay compensation through the personnel liability insurance on the motor vehicle. If this vehicle suffers personal injury or direct property loss caused by natural disasters, it needs to start the third party liability insurance to make claims.
Finally, the claim method and processing steps.
After the accident, don't try to move or start the vehicle. Do the following to minimize the loss:
1. Take photos when the car is flooded. It is best to keep a newspaper that reported the rainstorm that day or a certificate that can explain the weather that day;
2. Prepare relevant documents, which will be required by insurance company personnel at the on-site inspection meeting, including ID card, driving license, driving license, bank card, etc. , and ensure that the document is within the validity period;
3. Check whether the insurance policy is within the guarantee period. At present, China's insurance policy is valid for one year;
4. The owner should contact the customer service of the insured auto insurance company for filing within 24 hours, and make a loss claim again;
5. After contacting the insurance company normally, there will be staff to handle it, but if not, you can find the nearest auto insurance service point, and they will give you a list of repair costs, the scope of claims and the materials needed for claims;
6. According to the list of maintenance expenses provided, contact the maintenance unit for car maintenance as soon as possible. Because some electronic components may be further damaged if they are not cleaned in time after being soaked in water.
There is a lot of rain in summer.
Everyone should pay more attention to the local weather before driving out.
Take precautions in advance ~
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.
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