How Do Insurance Companies Compensate for Water-Damaged Vehicles in Zhengzhou?
2 Answers
Once a vehicle is submerged in water, the owner must immediately call the insurance company to report the incident. If the insurance company cannot arrive at the scene promptly, the owner should take photos of the scene and the vehicle's damage while ensuring their own safety. Both insurance companies and 4S shops provide towing and rescue services.
I just went through the water-damaged car claim process after the Zhengzhou rainstorm, and the procedure was quite straightforward. Once your car is waterlogged, immediately call your insurance company to report the claim, providing your location and the on-site situation. Before the claims adjuster arrives, do not move the car, especially avoid attempting to restart the engine, as engine damage from a second ignition won't be covered. They mainly assess the waterline position: if it reaches below the seats, it's considered interior damage; if it surpasses the dashboard, it's generally deemed a total loss. Compensation is calculated based on the insured amount under your car damage insurance policy, but depreciation is deducted—approximately 0.6% per month of use. I prepared copies of my vehicle license, ID card, and bank card, and the payment arrived within two weeks. A reminder: insurance won't cover water-damaged cars without car damage insurance, and special attention should be paid to exemption clauses for water damage caused by sunroof leaks.
