Who is Responsible for Cars Swept Away by Floods?
2 Answers
Cars swept away by floods are the responsibility of the insurance company. Below is an introduction regarding the insurance company's responsibilities: 1. Compensation Conditions: The insurance company will only compensate if the relevant vehicle damage insurance is purchased. Different insurance companies may vary in their claim procedures, but the basic steps of claims are mostly the same. 2. Prompt Reporting: Auto insurance clauses usually stipulate that the insurance company must be reported within 48 hours after the incident, otherwise the insurance company has the right to refuse compensation. If someone else is entrusted to report the claim, the reporter should also carry their ID card and a power of attorney issued by the insured for reporting on their behalf.
Oh I really experienced this issue last year - over a dozen cars in our neighborhood were submerged after heavy rain. First, check if your vehicle has comprehensive insurance that covers natural disasters. If so, the insurer must compensate. But note: if you only have compulsory traffic insurance or third-party liability, flood damage won't be covered. If your car was parked in a legitimate parking space before being washed away, and the property management failed to maintain drainage systems properly leading to excessive flooding, some local court precedents hold them partially liable. Nowadays in many cities during storms, the water authority proactively discloses cases where municipal pipe network negligence caused flooding. If your car was parked along municipally planned roads, you can also claim compensation from road administration. The key to claims is immediately calling 110 and your insurer - you must obtain police records within three days.
