What should I do if my car is soaked in water? Can the insurance company pay? How to avoid buying a flooded truck?

Recently, many places across the country have been hit by heavy rains, especially southern regions such as Guangdong, Guangxi, and Hainan. They have suffered several rounds of heavy rains. Many places have been flooded, and underground garages and parking lots have been reduced to In the hardest-hit areas, cars are the ones suffering.

According to many netizens, their cars were completely submerged in water, and some were even washed away by the floods. Some car companies’ factories were also flooded, and many new cars that had not yet been shipped were flooded. It became a water tanker. So in this case, what should a car owner do? Will the insurance company pay? How can those who want to buy a car avoid buying a damaged car?

What should I do if my car is soaked in water?

If your car is soaked in water, you should first confirm the depth of the water. If the water only covers one-third of the tire, you can start the engine. At this time, you should drive the vehicle away from the water as soon as possible. If possible, you should find a higher place to park.

If the water has covered the exhaust hole, do not start the engine again at this time. You should directly seek rescue and find a tow truck. At this time, all people on the vehicle should get out of the vehicle and wait for rescue to avoid people being trapped due to rapid rising water. While seeking a tow, the insurance company should be contacted immediately.

If the vehicle has been soaked in water, during the maintenance process, the maintenance personnel should first check the condition of the engine, and then replace the carpet, seats, interior trim, wiring harness, lamps, and batteries depending on the severity of the water damage. etc., and also carry out drying, disinfection, rust removal and other operations.

Can the insurance company compensate for car water damage?

Whether the insurance company can be asked for compensation if the car is soaked in water depends on the following situations:

1. If the vehicle only purchases third-party liability insurance, the insurance company will not Compensation;

2. If the vehicle has purchased car damage insurance, you can ask the insurance company to compensate, but engine damage is often not included;

3. If If the vehicle has purchased water-related insurance, all damage to the vehicle, including engine damage, can be compensated;

4. If the driver forcibly starts the engine after the vehicle is soaked in water, causing damage to the engine, the vehicle will be compensated. If you buy a car with car damage insurance and water-related insurance, the insurance company will not compensate your engine, but will only compensate for maintenance costs other than the engine;

5. In addition, insurance for parts installed on the vehicle itself The company will not pay compensation, and the insurance company will not pay compensation if the car owner is driving without a license or driving under the influence.

How to avoid buying a damaged car?

It is common to see some unscrupulous merchants selling water-damaged cars as new cars on the market. Some second-hand car dealers will also conceal the fact that the vehicles are water-damaged and sell used cars. What should friends who are planning to buy a car do at this time? How to avoid buying a water-soaked truck?

1. Smell the smell: Generally, cars that have been soaked in water will leave a residual water smell, especially in some corners that are difficult to clean;

2. Look at the traces: For vehicles that have been soaked in water, water marks may be left on some screw holes, seat belt sockets, seat brackets, and joints of parts. Here is a tip. You can pull the seat belt to the end and see if there is any water mark on the bottom of the seat belt. Signs of water damage. In addition, if it is a new car or the vehicle is within three years of use, and there are many rust marks on the chassis or other parts of the vehicle, it will not be considered;

3. Touch feel: At present, many vehicles have seat padding The material is foam sponge. After being flooded with water, there will be lumps or swelling in some parts, and the elasticity of the seat will also become worse.

This article comes from the author of Autohome Chejiahao and does not represent the views and positions of Autohome.