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According to media reports: after the torrential rain, a large number of submerged vehicles in Zhengzhou were sent to 4S stores for repairs, and 4S stores in Zhengzhou have been lining up for repairs since yesterday. At present, in the urban area of Zhengzhou, you can see many vehicles parked on the roadside waiting for rescue and maintenance.

In recent days, Henan and other places have experienced extremely heavy rainfall, resulting in casualties and property losses. According to Henan property insurance industry data, a total of 143500 claims were received as of 18:00 on July 22nd, with a preliminary estimated loss of 4.489 billion yuan. An employee of a 4S store in Henan Automobile Trade Center said in an interview with the media: so far, there are 30 or 40 vehicles ready to be pulled over, and the number of vehicles continues to increase. It also said: some customers can not contact 4S stores because many 4S stores have been cut off. There are about 120 units waiting for repair. if you contact us now, it will take about two months to repair.

It is generally possible to settle a claim when a vehicle is hit by a natural disaster. It is mainly paid separately by the additional insurance "wading insurance" in the vehicle insurance. However, the relevant insurance provisions require that only the vehicle engine damage caused by flooding can be compensated, if only the interior decoration, circuit boards and other locations caused damage does not belong to the scope of claims related to water insurance. After the vehicle is flooded, you must remember not to try to move the vehicle or start the vehicle, and take timely photos of the flooded vehicle as evidence.

According to the new version of commercial car insurance, car insurance purchased after September 19, 2020, water-related insurance has been included in the vehicle damage insurance. If the vehicle is flooded, call the insurance company, and the insurance company will pay for the fixed loss. Before the comprehensive reform of automobile insurance was carried out in China in September 2020, the engine damage caused by engine water did not fall within the scope of compensation for vehicle damage insurance, and additional insurance was needed for engine water-related loss insurance. After the comprehensive reform of automobile insurance, the flooding loss of engine has been covered by vehicle damage insurance. However, it should be noted that insurance companies usually do not cover the engine loss caused by the "second start" of the vehicle after entering the water. Therefore, if the vehicle flameout when wading in the water, the owner should avoid starting again to cause damage to the engine and increase additional losses. If you buy car insurance before September 19, 2020, you need to see if you have taken out a separate wading insurance.

In view of the torrential rain in Henan and other places, how to deal with a large number of flooded cars? Ren Peilin, director of the comprehensive department of Henan Automobile Trade Center, said: it will be troublesome to deal with flooded cars. It is mainly blisters. It may take a long time and it will be troublesome to dry the items in the car and all aspects of electrical wiring. At present, 4S stores and insurance companies are doing rapid processing.

The staff of Ping an property Insurance also said: if the engine does not lose too much, it can let the service station seize the time to disassemble, fix the damage, dry it, replace the damaged parts inside, and then do maintenance. It is worth noting that after the "submerged car" is repaired, generally speaking, it can be used normally as long as it is repaired by professional maintenance, but there may be hidden dangers in safety. If the vehicle is submerged in water, it is easy to cause rust of the body parts and shorten the service life.

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