How Does Insurance Cover a Car Falling into a Fish Pond?
2 Answers
If a car falls into a river and the owner has purchased vehicle damage insurance, the insurance company will cover the necessary and reasonable expenses incurred for rescue and protective measures taken for the insured vehicle. Below is an introduction to the relevant aspects of purchasing insurance: 1. Purchasing Methods: Car insurance can be reasonably purchased according to the owner's needs, either at a 4S dealership or elsewhere. 2. Buying a Car on Loan: Generally, when buying a car on loan, insurance must be purchased at the dealership, and a certain renewal deposit may also be required. 3. Compulsory Traffic Insurance: This is a mandatory insurance in China, and all vehicles must purchase this type of coverage. 4. Insurance Coverage: If the involved vehicle is covered by compulsory third-party liability insurance for motor vehicles, the insurance company will pay for rescue expenses within the liability limit.
I personally experienced a car falling into a fish pond once. It was raining, and the car skidded into the pond. First, I made sure to stay safe and didn’t rush into the water. Then, I immediately called my insurance company to report the claim. They asked for details about the accident, such as the time, location, whether anyone was injured, or if there was drunk driving involved. Later, the insurance company sent someone to take photos and gather evidence at the scene. The claims adjuster assessed the extent of the vehicle damage. The car had to be towed out for inspection. If the engine was flooded or the electrical system short-circuited, the repair costs might be too high, and the car could be declared a total loss, with the insurance paying you its residual value. Throughout the process, remember to keep evidence, such as photos of the scene and police records. Insurance requires you to have vehicle damage coverage to claim. I recommend regularly checking the braking system to prevent skidding and handling accidents promptly to avoid secondary damage.