Car who were flooded loss compensable

Car owners were flooded very upset

At 23:00 on July 13, reporters in agriculture Road, Garden Road, found that open-street can be seen everywhere covered under the two-car flash by the roadside waiting for rescue vehicles, some even worse even the knee-deep in water, "Pa Waterloo. " "Originally intended to last-saved, or here to choke off the. Can not, dare not restart, have been fighting over the phone to a friend, a moment to drag the repair shop." In the way of agricultural roads and intersections near , Mr. Liu, owner of the look of frustration. A reporter about the statistics, the only road in Garden Road to the agricultural Beihuan Lu, the reporter in East Banfu lane encountered a flooded more than 10 vehicles waiting for rescue vehicles.






Than choking off even worse is that Mr. Liu's car parked in Zhengzhou, the Garden District on the 21st century the underground car park owners. Two consecutive days of heavy rain, the area in the underground garage of dozens of vehicles staged "flooded the three armed forces" scenes, the water level almost to the location of the car door handles so that the owners suffered heavy losses. "I am up to the garage, I and my husband was a shock, in October last year to buy the car in the paralysis of the sewage Lanni. Underground garage in a 50 to 60 cm deep water, sewage The water level has Yanguo wheel. "Home in the 21st century community of Ms. told reporters," Our car was launched garage and opened all the doors inside the sewage, the stench inside the sewers there. "

As early as key to dealing with flooded cars "come ashore"

"Flooded vehicles, vehicle owners must first notify the insurance company the first time, in order to ensure that their claims by insurance companies." Pacific Insurance Henan branch of Mr. Sun warned that the risk in a newspaper at the same time, owners of vehicles should be timely The correct implementation of the rescue, to avoid vehicles in the stagnant water in a long time "bubble." "If the vehicle in a long time because of stagnant water in the 'immersion' and lead to damage to electronic components, claims the owners may be at the rescue was not timely and Jupei."

So in the car and rescue, the owners How do I do that can we do to minimize the loss »

"Vehicle was parked in the flooded, the owners do not open the door first, as soon as possible from the first vehicle launched in stagnant water, and the first time in the service station to a rescue call." Beijing Hyundai maintenance of a technical director at the Master Sun That need to remind that the vehicle pulled out from the water after the owners at this time do not try to see whether the launch vehicle, the engine has been at this time because of water, forced to start the engine will directly lead to "explosive cylinder." "Inundated after the car engine is not only afraid of water, while automotive computer systems and automatic transmission is also very afraid of water, owners of vehicles flooded in to take urgent measures, should not Louguo these parts." Master Sun said, Now the digitization of vehicles increasing, a lot of traffic on board computer, located in the engine compartment, the steering wheel column about the relatively more computer boards, vehicles flooded the time, these computer board by the threat of a relatively small number, however, After the stand-board computer on the location of relatively low, it is easy to water. "Vehicle was pulled out from the water, under conditions of the owners can use wrenches to tighten the screws release of battery, battery anode line removed, so the car could have been avoided because of water caused electrical short circuit. Cause more trouble. "

Loss of a spectrum who lose heart

Vehicles parked in this should be "the most assured," the underground car park, the result has been heavy rain to the "bubble" in need of major repair, as the owners of the hearts is naturally very angry. Then, the owner who is compensation for losses should be » Under such circumstances should the insurance company claims » As a community property and whether the company should be responsible for it »

Henan State Bank of the Song of a law firm lawyers told reporters that, under the responsibility of Che Sunxian provisions in the insurance period, due to heavy rain, floods and other natural disasters caused by the loss of motor vehicle insurance, insurance companies should be responsible for compensation by agreement. Such as car parks in the underground car park as a result of water damage to cars is in line with Che Sunxian conditions of the settlement. However, it should be noted that, if the vehicle was flooded, the owner tried to start the engine, resulting in engine damage, the insurance companies on the engine part of the loss of exemption clauses agreed.

In addition, the property company to pay a parking fee, and the formation of a property company paid the legal custody, a vehicle with a custodian at this time, have the obligation to weather forecasting, damage to promptly notify the foreseeable obligations and obligations, to take the necessary, Pai reasonable risk, rescue and post-remedial measures obligations. If the property companies neglect to prevent, not to make the necessary attention or management duties, leading to damage to vehicles, according to China's "Contract Law," the 374th section, the property owners of companies should bear the liability for damage.

At the same time, water underground garage and the developer may also design or construction does not meet the requirements are related. Underground car park is a very important is to have sufficient facilities from the general to foresee the storm formed by water in the drainage system in disasters. If the drainage system was designed from the beginning will not be able to meet the needs of the drainage, leading to the owners of parking spaces, based on the relevant legal requirements developers must bear the liability.

"According to their owners can choose the actual situation of the target of claims, and insurance companies in the owner claims has been completed, the company has made the recovery of property rights