Many years ago, it was almost a very low probability event for a vehicle to be flooded, but with the continuous abnormal changes in the climate, we can not only often see many cars flooded after a rainstorm on the news, but also our own or our own people can encounter similar car flooding. And when a vehicle is flooded, car owners usually face a lot of problems, including how to deal with the damage of the vehicle, how to claim compensation from the insurance company, and so on. Therefore, this article will introduce in more detail how insurance companies assess the damage of flooded vehicles. Maybe it will help you.
1. Report and investigate.
When the owner finds that the vehicle is flooded, he first needs to report the accident to the insurance company, so that the insurance company can understand the situation and send an inspector to the scene to investigate. The surveyor will photograph the scene**, record the damage to the vehicle, etc., and confirm some details with the owner.
Second, the damage assessment process.
Preliminary damage assessment. After the on-site investigation, the surveyor will give a preliminary damage assessment opinion based on the damage to the vehicle. If the damage to the vehicle is not serious, the surveyor may directly give a repair plan and inform the owner of the repair cost. If the damage to the vehicle is severe, the surveyor will advise the owner to tow the vehicle to a designated workshop for maintenance.
Detailed damage assessment. When the vehicle is towed to the workshop, the insurance company will contact the workshop to arrange for a professional to conduct a detailed damage assessment of the vehicle. Professionals will inspect every part of the vehicle and give a detailed repair plan and cost estimate. During this process, the owner needs to provide some necessary vehicle information and documents to the workshop, such as proof of vehicle purchase, insurance policy, and so on.
Confirm the damage assessment result.
After a detailed damage assessment, the insurance company will provide a report on the damage assessment results to the car owner, and confirm the repair plan and cost budget with the car owner. If the owner agrees with the outcome of the damage assessment, the insurance company will begin the claims process. If the car owner does not agree with the damage assessment result, he can negotiate with the insurance company or resolve the dispute through legal channels.
3. Claim process.
Submit your claim information.
When the owner agrees to the damage assessment result, he needs to submit the claim information to the insurance company, including the vehicle maintenance invoice, maintenance list, insurance policy, etc. This information can help the insurance company determine the amount of the claim and the claim process.
Review claim information.
The insurance company will review the claim information submitted by the car owner to ensure that the information provided by the car owner is true and reliable. If there is a problem with the information or further verification is required, the insurance company will notify the vehicle owner to supplement the information or verify it.
Pay the claim.
After the review is approved, the insurance company will pay the claim to the car owner. Claims are generally paid directly to the bank account designated by the car owner or directly used to pay for repairs.
During the claim process, the owner needs to provide the following specific information:
Vehicle Maintenance Invoice: This is an important document to prove the cost of vehicle maintenance. The owner will need to ask the workshop for a repair invoice and submit it to the insurance company when making a claim.
Repair Checklist: This is a detailed list of vehicle repair items and costs. The owner will need to provide a repair list at the workshop and submit it to the insurance company when making a claim.
Insurance Policy: This is an important document to prove the validity and sum insured of the vehicle. The owner will need to submit an insurance policy at the time of claim so that the insurance company can verify the sum insured and the coverage.
Vehicle Damage**: This is an important piece of information to prove the damage to the vehicle. The owner will need to take a picture of the damage to the vehicle** at the time of the accident and submit it to the insurance company when making a claim.
Other relevant information: Depending on the situation, the owner may need to provide other relevant information, such as the accident certificate issued by **, the vehicle purchase certificate, etc. This information can help the insurance company better understand the circumstances of the accident and determine the amount of the claim.
In conclusion, when a vehicle is flooded, the owner needs to immediately report the accident to the insurance company and wait for the investigator to conduct an investigation. The surveyor will give a preliminary damage assessment and recommend that the vehicle owner tow the vehicle to the designated repair station for maintenance. After a detailed damage assessment, the insurance company will provide the car owner with a report on the damage assessment results and confirm the repair plan and cost budget. If the owner agrees to the damage assessment result, he or she needs to submit the claim information to the insurance company and wait for the review and payment of the claim. During the process, the car owner needs to actively cooperate with the insurance company and keep the relevant evidence and documents. Now, you know how to assess the damage to the insurance company after the vehicle is flooded, right?Of course, Goku hopes that everyone will never encounter such a thing in their lifetime.
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