What is PICC's water-damaged vehicle assessment standard?
2 Answers
Level 1 water damage: No water entering the cabin; Level 2 water damage: Water enters the cabin above floor mats but below seats and adjustment motors; Level 3 water damage: Water enters the cabin above floor mats, reaching seat cushions; Level 4 water damage: Water reaches above seat cushion surfaces but below instrument panel lower edge; Level 5 water damage: Water reaches instrument panel level or above; Level 6 water damage: Water exceeds roof level. Here's related information: Vehicle insurance: Also called auto insurance or motor insurance, it refers to insurance products for motor vehicles. Water-damaged vehicles: These refer to flood-damaged vehicles that enter China's used car markets through certain channels.
As a seasoned driver who frequently deals with such issues, I can tell you that PICC's water-damaged vehicle assessment standards mainly focus on the water submersion height and affected components. Submersion below the wheel hub center is considered minor, involving only interior cleaning and electrical circuit checks; if water reaches above the seats, the risk increases significantly, potentially leading to engine failure, electronic system short circuits, and high repair costs. If the estimated repair costs exceed approximately 50% of the vehicle's residual value, PICC will likely recommend a total loss settlement with full compensation. During the assessment, they will require you to provide photos of the water damage, vehicle condition records, and other documentation. During the rainy season, I recommend parking away from low-lying areas and reporting the damage to insurance promptly—don't wait until the water dries, as this can make damage assessment more difficult.
