Fuzhou villa garage after typhoon
After the typhoon, a large number of luxury cars were flooded in Fuzhou villa garages.
The continuous heavy rain caused by Typhoon Medem yesterday caused many underground garages in Lianjiang County to become "reservoirs". The situation in the Greenwich Villa area on Aojiang Road was the worst, with more than 20 vehicles flooded. The car owner called the hotline of this newspaper and said that due to poor drainage in the underground garage, the property management company delayed notifying the car owner to move the car, resulting in many vehicles being flooded, including luxury cars such as Porsches.
Is the insurance company responsible?
A master with 20 years of experience in auto repair said that most of the electrical components damaged in flooded cars will not burn out the engine as long as they are not forcibly started. Once this happens, the engine will need to be overhauled. Many car owners are worried that if their car is damaged, will the insurance company compensate? The reporter consulted the staff of several insurance companies over the phone and learned that after a car is soaked in water, the insurance company is responsible for the cleaning and maintenance of the car and compensation for damage to electrical components. These are all car damage insurance, but do not include the engine.
The staff member said that after a car is flooded, claims are generally divided into two situations: First, if the engine does not start, you can enjoy car damage insurance in this case. "As long as you buy car damage insurance, any vehicle damage caused by water (except the engine) will be covered by the insurance. Generally, the car will be washed and dried. If the computer in the car is damaged such as a short circuit, you will also be compensated." Alternatively, starting the engine can cause engine damage. In this case, you must purchase engine water insurance to enjoy compensation, but engine water insurance is currently difficult to buy on the market.
“Forcibly starting the vehicle and causing damage to the car engine is not covered by the car damage insurance, but is covered by the water-related insurance.” According to an industry insider, because insurance companies are unwilling to recommend, ordinary car owners Little did they know that water-related insurance has almost disappeared from the market. According to industry insiders, the premium of water-related insurance is relatively low, accounting for only 5% of car insurance, so insurance marketers do not like to recommend it.
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