Can Flooded Vehicles in Zhengzhou Be Covered by Insurance?
2 Answers
If the car owner has purchased auto flood insurance, they can enjoy insurance claims when the vehicle is flooded. Below is relevant information about flooded vehicles: 1. Concept: A flooded vehicle refers to a car that has been submerged in water, typically meaning the engine and transmission have been soaked, with water levels exceeding the wheels and body seats, and the vehicle's underbody components being in prolonged contact with water. Such vehicles pose significant risks, as the electrical circuits are prone to short circuits, fires, etc. 2. Insurance: There are two types of insurance related to vehicle flooding—the most common being auto damage insurance, and the other called special engine loss insurance, commonly known as flood insurance.
As an experienced driver who went through the Zhengzhou floods, I'd like to share some insights about claiming insurance for water-damaged vehicles. Generally speaking, you can file an insurance claim as long as you've purchased auto damage insurance, because the post-reform auto damage insurance now includes water-related damage coverage. During last year's massive flood in Zhengzhou, my car was also submerged. The first step is not to start the engine to prevent secondary damage, then quickly take photos and videos of the vehicle's condition, noting the water level. Immediately call your insurance company to report the claim - they'll send someone to assess the damage. The whole process went quite smoothly for me, with compensation received in about two weeks. But pay attention to details, like not delaying the claim report. Flood disaster areas may also have special policy support available.
