Family Cars Information

Flood insurance claims vehicle was a large difference

May the heavy rain that over 10,000 vehicles in Guangdong suffered flooding, not only suffered a substantial number of owners may arise overnight, but also by insurance companies faced with a rare auto insurance claims history of the peak. From midnight on May 7, the major insurance claims, Guangdong Province Tel continuously, in which the vehicles on the garage had been submerged by soaking the report calls high. Then, after the owners of vehicles flooded the availability of claims into issues of particular concern in Jiangsu owners.

    “No top vehicles,” according to total loss claims

    PICC-related official said that no top for vehicles, In principle, presumably, deal with compensation for total loss, however, the insurance sector have told the reporter, the vehicle bubble for so long, if not scrap, repair costs are not cheap, but constructive total loss, after the insurance company will Peifu loss will amount to prevail. According to survey members introduced auto insurance, compared with parked vehicles were bubbles, wading travel may be more damaging to the engine, turn off the water when the water will tend to inhale the engine, which requires additional insurance coverage can be compensated wading. But apart from PICC, Ping An, the current Pacific (601 099), the sun, earth and other property insurance companies have not waded insurance sales. Meanwhile, the force caused by stagnant water, defined as owners of vehicles stalling improper operation, insurance exemption. Thus, a number of flood vehicles claim to be illusory.

    Water damage does not pay the second ignition

    “Damage to engine owners Peifu be most concerned about.” PICC-related sources have told reporters that the engine damage due to flooding caused mainly due to two situations: vehicle immersion in water for a long time and the second ignition in the water. The source said the owners only in the purchase of the “Che Sunxian” before they can get in by flood insurance claims, but the main Peifu seat lines, the loss caused by flooding, wading in the water start running or engine damage is caused does not belong to insurance. Only the purchase of a “loss of motor insurance in particular,” the owner, to a corresponding loss, including compensation, including the engine.

    It is learned that Che Sunxian of insurance set out by the “heavy rains, floods” caused by the loss of insured vehicle, the insurance contract in accordance with the provisions of the insurance for compensation. But states that “the insurance of vehicles due to flooded or damaged due to water-related driving caused the engine”, the insurance companies do not pay. This reporter has learned that the storm disaster, many owners lack experience, the vehicle stalled in water or secondary ignition lead to engine damage, experienced insurance exclusions. In this case, the insurance company said the reason for exclusions is that the ignition of vehicles in the water will cause water damage from the valve into the engine, mistakes are owner operated by the owners from the loss of fear.