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On the evening of August 9, Beijing was hit by heavy rain, and water accumulated on roads in some areas, causing many vehicles to be damaged. For the general public, the most important thing is how to claim insurance if a motor vehicle is damaged by flooding or wading. The reporter learned from several insurance companies thatNowadays, as long as consumers purchase vehicle damage insurance, they can obtain the relevant protection content of water-related insurance, without the need to purchase water-related insurance separately.。

In some areas of Tongzhou District, many car owners reported that the roads were flooded after the heavy rain, and many parked cars were damaged. "There was water under the seats, the car's circuits were broken, and all the lights were off." Car owner Lu Ying (pseudonym) parked her car on the side of Zhongshan Street. After the car was flooded, she immediately reported the insurance. The next day, the car was towed away to a 4S shop for repairs. 4S shop staff reported that many water-damaged vehicles had been inspected.

According to data from Tai Ping An Property & Casualty Insurance Co., Ltd., as of 13:00 on August 11, Tai Ping Property & Casualty Insurance Co., Ltd. had received more than 450 reports of natural disasters and more than 1,300 applications for auto insurance rescue, all of which have been properly resolved.

During the flood season, when there are heavy rains, the risk of vehicles being damaged by water increases significantly. Many car owners are concerned about insurance claims, and "water insurance" has become a hot topic. The reporter consulted with the staff of China Taiping Property & Casualty Insurance Co., Ltd. and Ping An Property & Casualty Insurance Co., Ltd. and learned that according to the relevant requirements of the 2020 Guiding Opinions on Comprehensive Reform of Auto Insurance,The main policy clause of vehicle damage insurance adds insurance liability for glass breakage and engine wading.That is to say, nowadays,As long as consumers purchase vehicle damage insurance, they can obtain the relevant coverage of water-related insurance without having to purchase additional water-related insurance.。

When a heavy rain occurs, the vehicle is washed away by water. If the vehicle cannot be found, how to determine the damage and make a claim? The insurance company staff said,The car owner can report the case to the local police stationIf the vehicle is still not found, the police station will issue a vehicle loss certificate, and the owner will go to the vehicle management office to complete the vehicle cancellation procedures and then apply for compensation from the insurance company.

Many insurance company staff specifically reminded that when a vehicle's fuel engine is flooded and stalls, the driver shouldTurn off the ignition switch and disable the start-stop function, do not force start the vehicle, the second start will only increase the damage to the vehicle.

If the new energy vehicle is soaked in water for a long time, the ownerDo not touch the vehicle body rashly, let alone charge the vehicle., you should report the incident to the insurance company in a timely manner and seek professional rescue personnel to rescue the damaged vehicle. New energy vehicles have more electrical equipment, and the cost of repairing their three-electric systems after being flooded may be higher. Reporting the incident in a timely manner will help the insurance company quickly determine the damage and settle claims, thereby reducing losses.

What are the specific steps for car insurance damage assessment and repair? It is understood that after the vehicle arrives at the repair shop, the claims adjuster will immediately determine the extent of the vehicle's damage and confirm the location of the damage with the customer. If there is uncertain internal damage, the repair unit will be commissioned to dismantle it, determine the internal repair items, and then determine the repair plan and repair amount.

For flooded vehicles, the claims adjuster will determine the height of the flooding based on the on-site photos taken by the customer or the traces of flooding, and preliminarily determine the approximate loss items. At the same time, the electrical components, engine, and gearbox below the flooding height will be inspected to determine the loss situation.

Generally speaking, the industry usually judges vehicle damage based on the water wading height, which is usually divided into six levels. The higher the level, the more serious the damage to the vehicle.

When the water level is below the seat, drain the water as soon as possible and dry the interior parts;

When the water level exceeds the seat, the insurance company will work with the maintenance unit to determine the extent of the damage based on the immersion time and the condition of the vehicle. The damaged vehicle can be repaired or treated as a total loss through negotiation.

When the flood level reaches above the dashboard (level five), the insurance company recommends total loss treatment.

Source: Beijing Daily Client

Reporter: Pan Fuda

Process Editor: u070