Recently, many places have encountered heavy rains, and many car owners have been flooded due to water accumulation. In the face of such natural disasters, can car insurance provide protection?And how does the insurance company pay?What is the amount of compensation?Here's an analysis of them one by one.
Introduction to Wading Insurance: Wading insurance, also known as "car loss insurance", is an additional insurance in car insurance. Only car owners who have purchased car damage insurance can attach wading insurance.
Scope of claims: Mainly for the loss of the insured vehicle and related rescue expenses caused by natural disasters such as lightning strikes, heavy rains, floods, and accidents such as collisions and overturns.
Compensation standard: The insurance company will compensate according to the actual loss of the car, including engine water ingress, wading driving, flooded car body, etc.
Deductible: It is important to note that wading insurance usually has a certain deductible, generally 20%. For example, if the cost of repairing the car is 100,000 yuan, then the insurance company will only bear the compensation of 80,000 yuan, and the remaining 20,000 yuan will be borne by the car owner.
Reporting: In the event of heavy rain causing water into the vehicle, the owner should contact the insurance company to report the accident as soon as possible. Information about the vehicle and details of the accident must be provided when reporting the incident. On-site investigation: The insurance company will send a loss adjuster to the scene of the accident to conduct an investigation and verify the damage to the vehicle. Vehicle rescue: If the vehicle is flooded, the owner should tow the vehicle away from the danger zone as soon as possible and try to maintain the integrity of the vehicle. During this process, the cost of rescue incurred is also borne by the insurance company. Claim review: The insurance company will review the claim based on the loss report provided by the adjuster and the maintenance invoice provided by the car owner. After the review is passed, the compensation will be paid directly to the owner or repair manufacturer. 
Choose the right insurance company: Different insurance companies may have differences in the coverage of wading insurance, the payment process, etc. Car owners should carefully compare the terms of each insurance company before applying for insurance and choose the most suitable plan for them. Confirm the insured items: Wading insurance is an additional insurance, and its coverage is relatively limited. Car owners should carefully read the terms of the insurance policy when applying for insurance to ensure that the water insurance purchased can meet their needs. Improve safety awareness: Although wading insurance can reduce the financial burden of car owners to a certain extent, safety always comes first. Car owners should pay special attention to the weather forecast during the rainy season and try to avoid parking their vehicles in low-lying areas to prevent accidents. Inspect your vehicle regularly: Car owners should make it a habit to inspect their vehicles regularly, especially during the rainy season. If the vehicle is found to have hidden dangers, it should be repaired in time to prevent large losses caused by small problems. Be aware of local policies and regulations: Policies for wading insurance may vary from region to region. Car owners should understand the local laws and regulations before applying for insurance to ensure that their rights and interests are fully protected. Take Beijing as an example, which has recently been hit by heavy rains, which has caused serious water accumulation in some areas. When Mr. Zhang was parking in a residential area in Beijing, he accidentally parked his car in a low-lying area, causing the vehicle to be flooded. Luckily, Mr. Zhang has taken out wading insurance. He went through a series of procedures such as reporting the case and assessing the loss in accordance with the guidelines of the insurance company, and finally successfully obtained the corresponding compensation. This case tells us that as long as you prepare in advance, wading insurance can indeed provide effective protection for car owners in the event of a similar situation.
In the face of natural disasters, human beings appear small and powerless. But by purchasing the right insurance, car owners can mitigate their financial losses to a certain extent. In the days to come, I hope that every car owner can choose the right insurance plan for their car, travel safely, and move forward without worry!AI Set Sail Program