What are the compensation standards for water-damaged vehicle scrapping?
2 Answers
There is no separate scrapping standard for water-damaged vehicles. Whether a vehicle is scrapped or not follows the same standards as vehicles damaged by other causes. When a vehicle is damaged in a traffic accident, the insurance company will advocate a 'repair-first' standard. While waiting for rescue, the vehicle's battery can be disconnected, and the car can be put into neutral gear to wait. After inspection by the insurance company's staff, compensation will be provided based on the assessed damage. If the vehicle meets any of the following conditions, it qualifies for scrapping: 1. When the repair cost exceeds 80% or more of the vehicle's value: the insurance company will process the claim as a total loss. 2. If it meets the conditions specified in Article 4 of the 'Mandatory Scrapping Standards for Motor Vehicles,' which states that registered motor vehicles should be mandatorily scrapped under the following circumstances: A. After repair and adjustment, the vehicle still does not meet the national safety technical standards for in-use vehicles; B. After repair and adjustment or the application of control technology, the vehicle's emissions or noise still do not meet the national standards for in-use vehicles.
I've seen plenty of cases about water-damaged vehicle write-offs and compensation claims. As an experienced auto mechanic, there are several key points to consider. Typically, after a car is flooded, professional assessors first evaluate the submersion depth – if water reaches above the engine or dashboard, it usually meets the write-off criteria. Compensation mainly depends on insurance: if you have comprehensive and water damage coverage, the insurer will inspect and calculate repair costs. When repairs exceed the vehicle's current value (generally over 50%), it's considered a total loss, with payout based on actual market value minus deductible. Without insurance, it's trickier – you'll need to claim from responsible parties or pursue legal action, requiring accident reports and appraisal documents. My advice: photograph flood damage immediately, don't move the vehicle prematurely to avoid compromising your claim. Final settlements depend on policy terms or court rulings, and the process isn't particularly fast.
