Who is Responsible for Water-Damaged Cars in Underground Garages?

[Taylor]

Insurance companies should be responsible for compensating the losses of insured motor vehicles caused by natural disasters according to the agreement. Damage to cars due to flooding in underground garages falls under the coverage conditions of auto damage insurance. Since parking fees have been paid to the property management company, a legal relationship of paid custody has been established with them. The hazards of water-damaged cars are as follows: Damage to electronic control systems: It can harm the internal electronic control systems of the car. The mixed rainwater is highly corrosive, affecting the functionality of electronic components, especially future usage. Most cars are equipped with electronic control systems (e.g., engine ECU, ABS system, SRS system, GPS navigation, etc.), and water exposure can cause short circuits in the ECU's internal IC circuit boards and rust on connector terminals. Circuit short circuits: This gradually leads to rust on metal parts, causing poor contact in circuits, and even short circuits or burnout. After a car is water-damaged, never attempt to start or turn the engine, as this can severely deform the engine connecting rods. Moreover, forcibly starting the engine often results in the insurance company refusing to compensate.