Guide to automobile insurance claims in typhoon weather
1. Damaged by falling objects: it belongs to the category of vehicle damage insurance.
If the vehicle is crushed by a fallen tree in typhoon weather, the owner need not worry too much. The loss caused by this natural disaster belongs to the category of car damage insurance, and the insurance company will compensate. If the parked vehicle is damaged, the owner should be careful not to move the vehicle at will. He should call the insurance company immediately, and there will be a tow truck to help. If conditions permit, the owner can take photos before leaving.
2. Glass damage: you can get compensation through car damage insurance.
Most of the losses in typhoon weather can be compensated by car damage insurance. However, the vehicle was hit by a falling object, which caused the window glass to be damaged. In this case, even if the vehicle does not have glass insurance, it can be compensated through car damage insurance. However, insurance companies generally do not compensate vehicles with only broken glass and other parts intact.
3. Parking loss: subrogation can be used.
When the typhoon comes, you should also pay attention to parking your vehicles. If you park in the open air, the vehicle may be injured by foreign objects blown away by strong winds. If you park in the underground parking lot, you should always pay attention to the emergency notice of the property management office and move the vehicle in time. If the vehicle is damaged by water entering the underground garage, it will be more troublesome to claim compensation. Some insurance companies will compensate the owner first, and then exercise subrogation to let the property management be responsible for parking fees, but not all insurance companies will be so humanized.
4. Wading: "All Risks" does not include water risks.
Some car owners may encounter heavy rain in typhoon weather, and wading will lead to engine flameout and car damage. In this case, many new car owners think that they have bought "all risks" for their cars, including water insurance of course. In fact, whether you can get a claim depends on whether the owner has purchased water-related insurance.
The most common loss in typhoons is that vehicles are flooded. At this time, water insurance can come in handy. Although "water-related insurance" protects the engine damage caused by the wading of insurance vehicles, most insurance company business personnel will tell you that the insurance company will not cover the engine loss caused by the owner's "second start" after the vehicle enters the water.
Some insurance claims personnel pointed out that there are two main situations in which the engine is damaged by flooding: the vehicle is soaked in water for a long time and starts again in the water. If the vehicle is immersed in water, as long as there is no water in the engine, the car damage insurance only includes replacing parts and repairing circuits. Even if the car body is flooded and the car is completely lost, the insurance company can compensate for the total loss. However, if the engine is damaged by wading or starting in water, it is not covered by insurance. Only the owner who bought wading insurance at the same time can get compensation including engine loss accordingly.
Therefore, when typhoon weather causes wading, it is best to pass at low speed and low gear, and don't loosen the throttle to shift gears while driving, otherwise water will easily enter the exhaust pipe. If the surrounding water level is close to 2/3 of the wheel, don't force it through. If the vehicle is unfortunately flooded, do not habitually start the ignition device. If water enters the vehicle when it is stationary, it will cause losses. As long as the insured vehicle has basic insurance, it also belongs to the compensation scope of the insurance company.
5. Extension: Claims can be made through "extension responsibility"
In typhoon weather, vehicle rollover is also common. At this time, you can put forward your claim by "overturning responsibility". "Rollover liability" refers to the insured vehicle. Due to natural disasters or typhoons and other accidents, the vehicle capsized and the body touched the ground, which made it lose its normal state and driving ability and could not resume driving without rescue. At the same time, if the vehicle collides with trees, telephone poles, pedestrians and other vehicles in the typhoon, it belongs to the "collision responsibility" in auto insurance.
The above is a guide to auto insurance claims in typhoon weather, hoping to bring some help to everyone. At the same time, everyone must remember to buy auto insurance, or who will pay for it.
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