How to Claim Compensation for a Car Washed Away by Water?
2 Answers
Bring the car owner's ID card, vehicle license, proof of lost license plate, and motor vehicle registration certificate, and drive the vehicle to the vehicle management office. The traffic police will make a rubbing of the vehicle's number. If it's a company vehicle with a stolen license plate, also bring the organization code certificate. The car owner needs to pry off the remaining license plate, then fill out two forms. After completing the forms, submit them along with the license plate to the license plate replacement window. First, receive a temporary motor vehicle license plate and replacement procedures, valid for one month. Use the temporary license plate to collect a new set of replacement license plates at the vehicle management office. Be sure to keep the temporary license plate safe in case of inspection by traffic police during duty.
A few days ago, I heard in a car owners' group that a guy's car was swept away by a flood, leaving him in a panic. In such cases, the car damage insurance can cover the loss, provided you have commercial insurance. Remember to call 110 immediately to file a police report and obtain an accident certificate, which is crucial. Then, contact your insurance company within 48 hours to report the claim. They will investigate the scene and weather records to confirm the loss was caused by a natural disaster. Based on my experience, the insurance company will eventually compensate you based on the market value of your car at the time, but they will deduct depreciation. My neighbor's car was destroyed by heavy rain last year, and he received the compensation after about 20 days, though the depreciation deduction was quite hefty, making it a bit of a loss. Also, remember to keep your car keys and vehicle registration ready, as they will be needed during the claims process.
