How to Claim Insurance for Water-Damaged Vehicles in Zhengzhou?
2 Answers
Once the vehicle is submerged in water, do not attempt to move or start the vehicle. Immediately call the insurance company, and this must be done within 48 hours. If the insurance company cannot arrive at the scene promptly, the vehicle owner should take photos of the scene and the damage to the vehicle in a timely manner while ensuring their own safety. Request towing services from the insurance company or a 4S shop where the vehicle is insured. If only compulsory traffic insurance is purchased without any commercial insurance coverage.
My car got flooded in Zhengzhou last year, what a headache that situation was. I immediately called the insurance company to report the claim, and they advised me never to start the engine, otherwise water ingress would ruin it. I quickly took lots of photos and videos to document the scene, including the water level and license plate. The insurance company promptly sent a tow truck to haul it to their designated 4S shop, where the claims adjuster inspected the damage. Fortunately, I had purchased comprehensive coverage that included flood damage, so most of the repair costs were covered. The whole process went pretty smoothly, with timely action being key. Zhengzhou has frequent floods, so we've all gained experience, and neighbors remind each other not to take chances. Towing might take an hour or two, while repairs depend on the damage extent—mine took a few days to complete. After insurance payout, remember to double-check the bill to avoid issues.
