How to claim compensation after the car is flooded?

Recently, heavy rains have caused vehicles to be trapped in the water. In this case, how to settle claims?

After the comprehensive reform of auto insurance in 2020, the water-related insurance of vehicles will be unified into the category of claims for car damage insurance, and the car damage insurance will "pay the bill", so can the car be flooded?

Car damage insurance bought before September 19, 2020 does not include water-related insurance, so it is necessary to take out additional water-related insurance to compensate? Water-related insurance is to protect the direct damage of the engine caused by the water in the engine during the use of the insurance vehicle, and the insurance company is responsible for compensation.

However, it should be noted that the insurance company is not responsible for compensation for engine damage caused by man-made second start, regardless of whether water insurance is purchased or not.

First, the claim application process:

Different insurance companies have different processes, but you must first call customer service to report the case, and then follow the customer service tips.

1. Call the insurance company first, preferably within 24 hours;

2. Take photos in time when the car is flooded as evidence for filing. It is best to keep a newspaper that reports the rainstorm that day or a certificate that can explain the weather that day;

3. 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;

4. Cooperate with the insurance company to make claims, check the list of maintenance losses, and finally repair the car according to the confirmed maintenance items.

Precautions for claim settlement: Do not move the vehicle at will, take photos in time to record the situation of the vehicle and keep the on-site evidence.

It should be noted that the car must not be ignited when it is turned off in water, and the owner with self-starting function must turn off this function in the case of heavy rain.

Second, what is the compensation standard for "car soaking in water"?

After the car is soaked in water, the specific claims will be settled by the staff of the insurance company according to the insurance type and the actual damage degree of the car.

① Total loss: the car flooded to the top: flooded to the central control panel, and the car was useless. According to scrapping, the insurance company will deduct the residual value according to the insured amount to lose money;

2. Repair expense reimbursement: the car flooded in the middle: after a long time, it was scrapped in the middle and the circuit was damaged. If it is dragged out in time, it can be cleaned and repaired, and the insurance company will pay for the repair;

3 Repair expense reimbursement: the car is flooded to the end: it is good to wash and repair it in this position. It's best to go to a 4S shop for repair. The quality of repair will be better, and there is little possibility of problems later.

If the repair price of the garage reaches 80% of the actual value of the vehicle, it is classified as a total loss vehicle, and the insurance company pays according to the actual value, and the vehicle is recovered by the insurance company.

Third, as long as the "soaking car" does not pass through the dashboard, can it be fully compensated?

Not necessarily. In the actual claims, we should also refer to the value of the vehicle. The technical term is "zero integral ratio". For example, if you have a Volvo, the price of replacement parts may be extremely high, that is, the "zero ratio" is very high, so the water may not pass the dashboard, and it will be completely lost before it reaches the fifth or sixth grade.

There is another situation. At present, auto insurance is insured according to the actual value of the vehicle. For example, buy a new car, 300 thousand. After five or six years, it will be worth about 200,000 when insured. In actual claims, claims are made according to the amount of the policy rather than the purchase price.

4. Can I call a rescue car to transport the car to the maintenance point, and can I reimburse the expenses?

It is suggested that the insurance company send a trailer, or let its own car 4S shop send a trailer. If you are looking for resources to save yourself, you need to confirm the rescue fee standard with the insurance company in advance to avoid disputes.

The rescue expenses, cleaning expenses and electrical losses caused by flooded vehicles are all the responsibilities of car damage insurance, and the insurance company will pay for them.

5. How to settle the claim when the stopped vehicle drifts off the ground due to rain and hits other vehicles or objects?

A vehicle that stops voluntarily or is forced to stop, floats off the ground due to the buoyancy of water, and is forced to hit other vehicles or objects downstream, and the vehicle does not start again. If you hit another vehicle after floating, you should first find the traffic police to determine the responsibility. After the insurance company of the responsible party issues the responsibility certificate, it will settle the claim through the car damage insurance. After floating and hitting other static objects (such as houses/telephone poles/trees, etc.). ), vehicle losses can also be settled through car damage insurance.

When driving in rainy days, remember not to force your way through. If the vehicle accidentally enters the water, you must get off at once and go to a safe place. For your own safety, never stay in the car.