Recently, there have been strong convective weather such as heavy rain and strong winds in many places in the south, and the rain in Guangdong Province has been jokingly called "crazy" by netizens;
Electric cars can be pushed after running out of water, but motorcycles and cars can't.
Because once the engine enters the water, it can no longer be started, and forced start will only cause the consequences of the engine being scrapped, so cars and motorcycles must be prepared in advance, especially in the Beijiang area of the Pearl River Basin, the flow rate of the Shijiao hydrological station in the northern mainstream of Guangdong Province has risen to 12,000 cubic meters per second, and the heavy rainfall in South China is continuing, so the Ministry of Water Resources has upgraded the flood emergency response in Guangdong Province to Level III.
At this time, it is necessary to move motor vehicles and other valuables to a safe area in advance, that is, an area on higher ground, and if possible, it is a safer plan to find a three-dimensional parking building nearby.
Assuming that the vehicle is not in a transfer condition or parking condition, the car user should consider adding damage insurance to the vehicle in a timely manner.
First of all, one thing to declare:
The author does not sell car insurance or any auto and motorcycle related supplies or accessories through any platform.
This is just to do a car knowledge popularization, because some car owners have good safe driving habits and awareness, so in the process of using the car will not be insured for the vehicle commercial car insurance, at most will add third-party liability insurance to the vehicle. Compulsory traffic insurance and third-party liability insurance are both types of insurance used to compensate for the loss of vehicles, personnel and property of the other party in a liability traffic accident (traffic accident that accounts for part or all of the liability), and its own loss is not covered by these two types of insurance.
Vehicle damage insurance is a type of insurance that covers the loss of one's own vehicle in a liability traffic accident, and vehicle occupant liability insurance is an insurance that covers the person in one's own vehicle in a liability traffic accident.
In short, compulsory traffic insurance and third-party liability insurance are used to compensate the other party, and vehicle damage insurance and vehicle occupant liability insurance (referred to as seat insurance) are used to compensate for one's own losses.
The reason why I want to talk about car damage insurance today is because of the season when extremely strong convective weather is frequent.
When the car is soaked in the rain or washed away and scrapped, the owner of the car without car damage insurance can only bear the consequences, and the vehicle can only be scrapped with a high probability, and the scrapping subsidy is only a few hundred yuan! On the contrary, the vehicle with car damage insurance no matter what type of natural disaster it encounters, the vehicle can be damaged by the car damage insurance to bear the maintenance costs, and the vehicle can also be scrapped by the car damage insurance according to the insured price to compensate the car price.
That's where the value of car damage insurance comes in, as it covers not only the consequences of a liability traffic accident, but also all vehicle damage caused by natural disasters.
Therefore, car owners who do not have car damage insurance and are in the above areas are recommended to increase the type of insurance in time, and all major insurance companies can apply for insurance online.
Another thing to note about car damage insurance is that car damage insurance does not cover liability traffic accidents caused by subjective intent.
For example, traffic accidents caused by drunk driving, drunk driving, driving without a license, illegal operations and other behaviors are useless even if there is car damage insurance, because these illegal driving behaviors are subjective behaviors, and if the insurance company even has to protect these situations, it is tantamount to instigation. Therefore, it is necessary to understand that car damage insurance only covers normal liability traffic accidents and car damage caused by natural disasters.
One final point:
Regardless of whether the vehicle has damage insurance or not, do not blindly rescue the vehicle when encountering dangerous situations such as flash floods, and must ensure the safety of personnel first.
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