Can water damage to new energy vehicle batteries be claimed under insurance?
2 Answers
Water damage to new energy vehicle batteries cannot be claimed under insurance. The reasons are as follows: 1. The insurance for new energy vehicles still follows the traditional fuel vehicle insurance model. 2. If battery replacement is required due to immersion damage, it does not fall within the claim coverage (there is currently no separate insurance specifically for batteries). The scope of vehicle insurance claims includes: 1. Collision and overturning. Collision refers to direct contact between the insured vehicle and external objects. Artificial scratches on the insured vehicle are not covered under the vehicle damage insurance. Overturning refers to the insured vehicle losing its normal state and driving ability due to natural disasters or accidents, making it unable to resume driving without rescue. 2. Fire and explosion. 3. Collapse of external objects, falling objects from the air, and parallel falling of the insured vehicle while driving. 4. Lightning strikes, storms, tornadoes, heavy rain, floods, tsunamis, ground subsidence, ice collapse, cliff collapse, avalanches, hail disasters, mudslides, and landslides. 5. Natural disasters affecting ferries carrying insured vehicles.
Last time during the heavy rain, my neighbor's electric car battery got soaked. He immediately contacted the insurance company. Most new energy vehicles now have specialized insurance, and water damage to the battery falls under the coverage of vehicle damage insurance. Remember not to move the car! Take photos immediately for evidence and report the incident within 48 hours. The insurance company will arrange a tow truck to send the car to a professional inspection site. If it's confirmed that the battery pack assembly is damaged, they usually replace it with a new one. However, be aware that standard auto insurance might not cover this, so make sure to check if the policy includes special clauses for the three-electric system when purchasing insurance. My neighbor got full compensation for the battery, but he had to pay over 2,000 yuan out of pocket for additional repair costs like removing and drying the car's carpet.
