How to pay for the vehicle soaked in water insurance company
1. How to make a claim for vehicle soaking insurance company.
Flooded parking: If the vehicle is parked on the side of the road or in an underground garage and the vehicle is flooded due to heavy rain and waterlogging, it is covered by the car damage insurance and the insurance company will pay the full amount.
Flooding while driving: If the vehicle wades through water while driving, resulting in engine damage, the insurance company that only purchased the car damage insurance will not pay for it, because the car damage insurance does not cover engine damage caused by wading through water. If you have wading insurance, you can get compensation.
2. The claim process of vehicle soaking insurance.
On-site processing(1) After the accident, the car owner should immediately call the insurance company's customer service** to report the case, and provide the insurance company with the insurance policy, insurance premium invoice, the insured's identity certificate and other relevant claim materials. (2) The insurance company will send staff to the site to conduct an investigation and damage assessment. (3) For vehicle damage or personal injury caused by natural disasters such as heavy rain and floods, fires, etc., the insurance company will conduct an investigation and assessment within one working day and complete the compensation processing as soon as possible.
Filing a Claim(1) The owner may make repairs in accordance with the written consent or confirmation letter from the insurance company. (2) The owner shall go to the designated maintenance organization for maintenance, and the maintenance fee shall be collected by the maintenance organization. (3) All materials required for the vehicle owner to submit the claim, including the insurance policy, the identity certificate of the insured, the motor vehicle driving license, the purchase invoice, the bank account, etc. (4) After the review is approved, the insurance company will remit the claim payment to the bank account designated by the insured within the promised time limit.
Case closure: After the claim is settled, the car owner needs to submit the claim transfer letter and other relevant materials to the insurance company, so that the insurance company can carry out follow-up services if necessary.
3. Precautions.
When purchasing car insurance, it is recommended to purchase car damage insurance and wading insurance, so that you can get more comprehensive protection if the vehicle is submerged in water.
In the event of natural disasters and accidents such as heavy rain and floods, you should stay calm, contact the insurance company as soon as possible and deal with it on the spot.
When applying for a claim, you should provide relevant materials according to the requirements of the insurance company and ensure the authenticity and completeness of the materials.
When repairing, you should choose a formal maintenance organization, and keep maintenance records and invoices and other documents.
After the case is closed, the transfer of rights and interests of the claim and other relevant materials should be submitted to the insurance company in a timely manner for follow-up services if necessary.
In conclusion, vehicle soaking is one of the situations that car owners may encounter, and understanding how vehicle soaking insurance is claimed and the corresponding claim process can help car owners better cope with this situation. When purchasing car insurance, it is advisable to purchase car damage insurance and wading insurance for more comprehensive coverage. When encountering a vehicle soaked in water, you should stay calm, contact the insurance company as soon as possible and deal with it on the spot. When applying for a claim, you should provide relevant materials according to the requirements of the insurance company and ensure the authenticity and completeness of the materials. When repairing, you should choose a formal maintenance organization, and keep maintenance records and invoices and other documents. After the case is closed, the transfer of rights and interests of the claim and other relevant materials should be submitted to the insurance company in a timely manner for follow-up services if necessary.