Car water, how to lose auto insurance?

The continuous heavy rains over the past few days have made many places become “Zeguo”. Recently, the insurance rate related to auto insurance has increased compared to the usual good weather. One insurance company has increased its insurance coverage by 10%, most of which are caused only by rainy days. In the event of a collision, there are also some vehicles that are suspected to have caused "engineering problems" in the water due to wading.

The rate of wading insurance coverage is very low. After continuous heavy rain, water accumulated on most of the roads, and many vehicles drove past the accumulated water. An insurance company stated that according to the regulations, the engine damage caused by wading will not be covered.

According to reports, in the commercial auto insurance, the vehicle damage insurance as a basic insurance covers a wide range of protection. The vehicle damage caused by natural disasters such as storms, rain, floods, hail, etc. is insured and can be compensated. In terms of rain disasters, such as rescue expenses, cleaning costs, electrical losses, and loss of interior parts, etc., when the vehicle is flooded are all covered by the vehicle damage insurance. However, the vehicle damage insurance clearly stipulates the liability exemption in the terms, that is, the insurance vehicle is damaged due to flooding or engine damage caused by wading. Therefore, if the vehicle is flooded or wading, causing the engine to fail, if the vehicle is to be protected, the owner must re-insure the additional risk of engine damage caused by wading. However, at present, the insurance rate for wading insurance as an additional insurance is very low. The main reason for the low rate of insurance coverage is that the insurance coverage is not wide enough and the risk awareness of customers is not high. Many people think that there is no need to take out insurance on wading insurance, and some insurance companies have even stopped the additional insurance.

Don't start the engine after soaking in the rainstorm. Many inexperienced drivers generally think that the soaking vehicle will suffer endless trouble. After the vehicle turns off in the water, it immediately sparks twice. As a result, the engine is damaged, and it is easy for the insurance company to refuse. pay. The reason why the insurance refusal to pay compensation is because the vehicle will cause the water to enter the engine through the valve and cause damage to the water in the water. It belongs to the owner's fault operation and the loss should be borne by the owner.

The engine damage caused by flooding is mainly due to two conditions: the vehicle soaking in water for a long time and the second spark in the water. The owner can only obtain insurance compensation when he is inundated with water after he has purchased the “car damage insurance”. However, the main compensation for damages caused by flooding such as seats and lines, wading, driving or starting in the water and causing engine damage are not covered by insurance. responsibility. Only owners who have purchased "engine special damage insurance" or wading insurance at the same time can receive compensation including engine loss accordingly. Therefore, when the vehicle owner encounters a place where the accumulated water is too deep, it is best to allow the vehicle to leave the dangerous area as soon as possible and escape from a safe place. When there is no way to leave when there is a danger, it is necessary to pay attention to calm down measures to protect the vehicle. In addition, vehicles that have soaked in water are not allowed to start the engine anyway, and the trailer must be towed off the site.

Auto insurance experts remind the owner that if there is road water, the owner of the vehicle is still wading and the vehicle is lost. The insurance company will not compensate for it; when the vehicle is exposed to heavy rain, it must not restart the vehicle.

If the vehicle is immersed in water, as long as the engine does not enter the water, just replace the parts, repair the circuit, etc., belong to the scope of vehicle damage insurance; even if the flood flooded the body, resulting in total loss of the car, the insurance company can also according to the total loss compensation.

For most owners, the car as a means of transportation can't stop because of the weather, "when it is decorated", what should we do when it is raining and driving in an unexpected situation? If the car is damaged due to the weather, how can the owner make full use of the car insurance protection function to reduce the loss? Yesterday, Chengdu Business Daily reporter interviewed a number of insurance companies and some insurance industry insiders, car owners may wish to listen to the professional's trick, as far as possible to be prepared.

When the special type of insurance is not used by the United States, what kind of insurance can help the vehicle owner avoid the sudden increase of various conditions?

According to insiders in the insurance industry, there is a special type of insurance insurance for “rainwaters” that is called “risk insurance”. This type of insurance belongs to the additional risk of damage caused by the engine's water intake. After the purchase of the additional insurance, the insurance company pays the owner of the vehicle whenever the vehicle is damaged due to water damage. However, it is not an easy task to insure such additional risks.

Due to the cost and the level of acceptability of the owner, other insurance companies have not established a separate wading insurance in the Chengdu market, except that the Tianping automobile insurance includes the “wading insurance” in the main insurance.

Dealing with abnormal weather auto insurance should mix and match "car damage + three responsibility"

"Special insurance" is difficult to buy. Is there any other way for the owner to use insurance to evade certain risks for his car? According to the person in charge of Sichuan Branch of PICC, in addition to the necessary compulsory insurance, the owner can also provide insurance coverage for the car by matching the vehicle damage, the three liability, and the deductible.

As for the flooded vehicles, under what circumstances will they receive insurance compensation, the person in charge said that the types of insurance that can currently provide compensation for heavy rain and other natural disasters are car damage insurance. If the vehicle is immersed in water, as long as the engine does not enter the water, just replace the parts, repair the circuit, etc., belong to the vehicle damage insurance coverage. Even if the flood flooded the body and caused a total loss of the car, the insurance company could also compensate for the total loss.

However, in one case, the insurance company does not pay compensation, that is, after the vehicle was flooded, the owner still forced the damage caused by the vehicle. If there is water in the road, in the foreseeable failure, the owner of the vehicle will still be involved in the loss of the vehicle caused by wading, and the insurance company will not compensate. Therefore, the owner needs to be reminded that after the vehicle is exposed to heavy rain and no fire, do not start the vehicle. Instead, try to pull the vehicle out of the stagnant water and immediately call the insurance company to report it to the insurance company. .

For accidents that are prone to traffic accidents such as rear-end collisions and rubbing, it is recommended that the owner allocates a full three-responsibility insurance, “at least 200,000 yuan coverage, in order to cope with the accident.” In addition, it is necessary to consider the configuration without considering compensation. , he explained that if an insurance accident occurs, if the owner takes full responsibility, he must bear 20% of the amount of the damage; but if the insurance is taken out of the deductible, the part can be passed on to the insurance company, "reducing its own Loss and property pressure."

Driving habits are very important to use car knowledge to help you encounter heavy rainfall, do you know how to avoid damage to the vehicle? Here are some common and necessary driving knowledge collected for your reference.

(I) Careful Inspection before Traveling Before the onset of the rainy season, the majority of car owners are advised to take a car to the 4S store for a comprehensive inspection. Projects such as brakes, tires, wipers, and safety systems are crucial.

Check tire pressure and rain driving will put higher requirements on the tires. In the rainy season, the depth of the tread can not be less than 2 to 3 mm, and it is better to ensure that the depth of the tread is more than 4 mm. Because the depth of the tread is too low, it is easy to form a film of water between the tread and the water surface, resulting in car deviation, tail flick, and extended braking distance. In addition, when braking in the rain, the most important thing is to have enough pressure to drain the rain between the tire and the road, so as to stop the car.

Checking the wiper's poor line of sight is a common car accident in rainy days. In heavy rain, the front of the driver's eyes is a white one. If the wiper's sweeping ability is seriously reduced, it will directly affect traffic safety. In addition, when the temperature difference between the inside and the outside of the car is heavy on a rainy day, the glass tends to fog, and when the fog is not removed in time, the line of sight will be blurred.

Checking Vehicle Lights Before driving on a rainy day, check that the vehicle lighting is complete, especially the front and rear fog lights, because the fog lights provide good lighting both before and after the vehicle in low visibility weather.

Checking the tightness of the vehicle The vehicle has rubber sealing strips on the door frame and other positions. On the one hand, it ensures the sound insulation of the vehicle and on the other hand, it ensures the sealing of the vehicle. The old vehicles with respect to the vehicle's tightness need to pay special attention to the need to inspect and clean the door, the bottom drain hole and the rubber seals on the chassis. Vehicles with skylights should also pay attention to the maintenance of the sunroof.

Other important inspection areas include whether the brakes, the direction, the circuit, and the oil line are running well, so as to avoid driving on wet and slippery road surfaces, and lose control due to the failure of the steering wheel and the brakes.

(2) Turning off when wading and not turning off when wading. When starting a rainstorm, it is best to avoid vehicles passing through deeper roads. If you have to wading as a last resort, you should pass it at 1 to 2 stops at a low speed and avoid high gears and low speeds. The correct approach is that no matter how much rain, you have to push the cart down to the place where there is no water. Check if the air filter is filled with water. Confirm that it has not been started yet. Otherwise, go directly to the repair shop or call the roadside assistance. .

According to the insurance liability of the vehicle damage insurance, the loss of the insurance vehicle caused by the “rainstorm, flood” is listed, and the compensation shall be paid in accordance with the provisions of the insurance contract. However, at the same time, it states that “the insurance vehicle is damaged due to flooding or water driving,” and the insurance company does not pay. The following conditions can be compensated: 1, after the car is flooded, the interior trim, carpet and other dirt or silt, etc., can contact the insurance company, claim compensation for cleaning fees; 2, the car soaked in water, resulting in plugs, audio and other lines Damaged, after inspection by the insurance company, confirmed as a failure caused by flooding, can be compensated; 3, after the car soaked in water, the engine, gearbox need cleaning and oil change can be compensated; 4, the car soaked in water, resulting in leather seats The cortex is damaged. After inspection by the insurance company, the loss is determined based on the immersion time.

(C) After the rain, the car should be cared for after the rain. In addition to mud, there are often sticky substances such as tar. If you do not wash it in time, it will easily attach to the car shell and it will be difficult to remove. Car wash should pay more attention to the bottom and the bottom of the vehicle, where the accumulation of dirt is most, and it is also prone to rust or paint damage.

The maintenance method is very simple. The owner only needs to find a shaded place when it is raining. Open the door and the trunk lid so that the moisture inside the vehicle can be completely discharged. At the same time, if conditions permit, a thorough cleaning and refurbishment of the interior and trunk can also be done.