Ni Huachu was photographed in Tangjiaqiao. The car was driving on a typhoon day and turned off in the stagnant water. The engine is damaged. Will the insurance company pay for it? The day before yesterday, reader Mr. Xu encountered this problem. His car was insured against car damage, but after the engine flooded, the surveyor of the insurance company told him that he could only pay the cleaning fee. The typhoon has a great influence, and many cars have encountered similar problems. An insurance claims agency service center in Wenzhou revealed that after the typhoon, the calls to their claims service have been constant, the business volume is three or four times that of usual, and car damage claims account for the majority. Recently, Zhejiang Jinkeming Law Firm has also received many such consultation calls. Recently, the amount of insurance claims consultation for property losses caused by typhoons is about five times as much as usual. Cars were damaged in typhoons in many cases. Mr. Xie, the head of the Survey Section of the Claims Center of Wenzhou Central Branch of Pacific Insurance, introduced the claims methods under various circumstances. The first one, like Mr. Xu, drove through the stagnant water and turned off the fire. He said he didn't start the engine again after he turned it off. Xiaojin, the surveyor of the insurance company insured by Mr. Xu, revealed that this situation belongs to the exemption scope of car damage insurance. There is a special wading loss insurance for the damage of the engine when driving in water. Mr. Xu insured the car damage insurance, but there was no additional insurance. The only compensation can only be the car cleaning fee. According to Mr. Xie, if the car turns off naturally when driving in stagnant water, the probability of engine damage is very small, but it is still possible. If you are insured for auto insurance but not for water insurance, except for the loss of the engine, the loss of other accessories can be settled. Some people underestimated the impact of the typhoon, or did not understand this kind of insurance and did not take out this kind of insurance. In fact, insurance similar to "wading loss insurance" is available in many insurance companies. It is an additional risk of car damage insurance, and the price is not expensive. The second is that the car that didn't start was flooded. In this case, the engine is not easy to be damaged, and the vehicle interior, seat cover, etc. They are all soaked in water, and those who have insured the car damage insurance can claim compensation. The third type is also easy to happen in typhoon days, when a stationary or driving vehicle is suddenly hit by something, which also belongs to the compensation scope of car damage insurance. Except for a few glasses falling off. In other words, if only the vehicle glass is damaged, you can get compensation by insuring the glass alone, but not by insuring the car damage insurance only. However, if the roof of the vehicle is damaged in many places and the glass is also damaged, it can be considered as "car damage insurance", and those who have been insured for car damage insurance can claim compensation. There are two kinds of compensation involving tires. If the loss is caused by an accident caused by a vehicle tire, the loss of the tire will be excluded from the vehicle loss. However, if the accident is caused by other reasons and the tire is damaged, the loss of the tire can fall within the scope of car damage insurance. In addition, the premise of compensation is that both the driver's license and driving license are within the validity period. [Driver's reminder] When passing through the road with water, the driver can't judge the water depth. If the accumulated water section is long, even if it is not deep, the air inlet of some vehicles may face downwards, which will cause the engine to enter water and cause losses. So it's best not to cross the unknown waterway by force. [Claims Procedure] The damaged car owner should report the case to the customer service hotline opened by the insurance company 24 hours a day as soon as possible. After accepting the case, the insurance claims center will send someone to conduct on-site investigation. According to the survey results, the staff will issue a damage list and related survey reports. Then the owner sent the car to the garage for repair. After the car is repaired, the owner (insured) takes all kinds of certificates, repair invoices and repair orders to the insurance claim center for claim settlement. [Lawyer's statement] At present, there are many types of insurance and the scope of insurance is very wide. The basis of auto insurance claims mainly depends on the provisions of the insurance contract. According to the contract, how to compensate. Take Mr. Xu as an example. If his car damage insurance contract states that the vehicle wading or flooding falls within the exemption scope, the insurance company does not need to compensate him for the engine loss. In addition to claiming compensation through legal channels, Mr. Xu Can also turned to the Consumer Protection Committee for help or hired a lawyer to mediate. ■ Ni Chuanfen Doudou
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.