Who is Liable for Vehicles Washed Away by Floods?
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For vehicles that are completely washed away and unrecoverable, or when the insurance company's rescue services fail to retrieve them and the salvage cost exceeds the vehicle's value, the insurance company will declare a total loss and provide a one-time compensation. Below is relevant information regarding vehicle submersion: Compensation Rules: If comprehensive insurance is purchased, it covers damages except for the engine; if comprehensive insurance and water submersion coverage are both purchased, it includes engine damage, but damage caused by the owner restarting the engine will not be covered; without comprehensive insurance, no compensation is provided for flood-related damages. Handling Procedure: If a vehicle is submerged, immediately notify the insurance company. This is called filing a claim, and it requires the insurer's staff or an authorized third-party assessor to conduct an on-site inspection. However, in cases of mass flooding, insurers may not respond promptly, so policyholders can take photos of the submerged scene with a camera or phone as evidence for the claim.