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Recently, there has been particularly heavy rainfall in many parts of the country. Presumably everyone saw the news. Even the capital, Beijing, was severely affected, with some roads flooded. Landslides occurred in Mentougou and Fangshan, and flash floods occurred on a small scale. Online videos also showed some vehicles washed away by floodwaters. The safety of the lives and property of the broad masses of the people has also been seriously affected.
Mainly cars, many vehicles are soaked in water, or even washed away by the water, and cannot be found. In this case, will the insurance pay for it?
【The car is blistered, and the damage is covered by car insurance】
If the vehicle is soaked in water or washed away, the insurance company will cover the damage, but only if you have car damage insurance.
Car damage insurance refers to the insurance in which the insured vehicle suffers a natural disaster or accident within the scope of insurance responsibility, resulting in the loss of the insured vehicle itself.
Vehicle damage insurance from most insurance companies usually covers the loss of the insured vehicle due to natural disasters such as lightning, storms, storms, floods, collisions and rollovers, and related rescue costs.
Therefore, damage to vehicles caused by bad weather must be covered by car damage insurance.
[The car was washed away by the water and can't be found, can I still pay for it?] 】
The car was washed away by the water and could no longer be found. Can I still pay? This is also possible. After the vehicle is washed away, report it to the insurance company as soon as possible.
If you cannot find the vehicle, you should go to the local public security organ to issue the relevant certificate, and then go to the vehicle management office to complete the vehicle cancellation procedures, and the insurance company will pay for it.
[How much is the compensation?] 】
How much does the insurance company pay if the car is washed away by water? Insurance companies will have special calculation formulas. The insured amount is determined based on the actual value of the vehicle at the time of application, and only the remaining compensation after deducting depreciation from the price of the new car is obtained. The amount insured is not the price of the vehicle itself. Calculation formula: Actual value of the vehicle = purchase price of new car - (purchase price of new car × number of months of use of the insured motor vehicle × monthly depreciation rate). That is, the price of uncompensated must be reduced.
[The old car suffers the most! ]
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Most insurance companies stipulate that they can cover damage to motor vehicles older than 8 years, but they may not cover damage if the vehicle is more than 8 years old. Some insurance companies provide car damage insurance for motor vehicles older than 10 years. The longer a motor vehicle is used, the greater the wear and tear of the motor vehicle, the greater the likelihood and incidence of traffic accidents, so the greater the risk that insurance companies must bear. In order to reduce risk, damage insurance for insured vehicles is subject to age regulations.
In addition, the longer the vehicle is used, the actual age of the vehicle will be correspondingly reduced.
If you buy car damage insurance, it is not cost-effective. Therefore, it is not recommended to purchase damage insurance for old cars that are old. Because even if the insurance company loses, it will not pay much money. Because the old car itself is not worth much.
However, many old cars, even if they have been driven for 7 or 8 years, are still in good condition and can still be driven, but they cannot afford to buy because the car is damaged, in case they cannot afford much money. Buy it. They suffer the most.
Therefore, as ordinary people, it is most important to look forward to the weather forecast in advance. When there is a storm warning, park your vehicle high in advance and try not to go outside. The most important thing is to protect your life and property from loss.
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