Vehicle insurance coverage does not include wading

Day rainstorm before some people have suffered a bitter taste. Traffic jams, water flooded car ...... not statistics the number of the car, was drowned in a rainstorm, but the city has many bridge area, sections have suffered serious water.

Although many owners gave car insurance all risks, but everyone knows, wading insurance which not all risks, even if the vehicles flooded engine damage caused by lack of compensation.

The wading engine damage was exclusions

2010 Guangzhou that heavy rains lead to 13000 Motor Vehicle flooded. However, to get the engine damages are few and far between. Such as Mr. Yang, MAGOTAN car he was driving carelessly into the car flameout in Tai Hang, heavy rain, seeing the car soaked in water and the water level rising, the impatient Mr. Yang to launch the car ready to leave the bail out, I did not expect the engine due to rounding water was scrapped. Mr. Yang insured against all risks, find insurance claim, I did not realize the insurance company to Mr. Yang restart the engine in the water on the grounds exclusions. When the insurance company told Mr. Yang, the the Che Sunxian only compensation for the loss of components other than the engine, if Mr. Yang insured wading risks "to receive compensation. Although it is the things that took place in Guangzhou, but the reporter learned that the insurance companies nationwide vehicle insurance have the same requirements.

On June 23, the reporter called the People's Insurance and Pacific Insurance Company, the operator said, vehicle insurance, insurance does not cover the engine especially damage insurance, also known as the "wading insurance. Insiders said that, despite the insurance company the exemption clause stated in the insurance policy, but little is known about most of the insured to buy full insurance should pay attention to the full insurance, everyone knows there are many Disclaimer. The Payout of Che Sunxian engines as a defense item, if you want to insure the engine must purchase the engine additional insurance is wading insurance.

The "wading insurance alone can not buy

The staff of the China People's Insurance auto insurance, The wading insurance is an additional risk, and can not be purchased separately, and only on the Che Sunxian to purchase. The specific amount of premium should be based on the prices.

Wading risks "applies: in heavy rains, floods, insured vehicle was flooded and the exhaust tube or into the trachea, driving people to continue to start the motor vehicle or the use of inertia to start the motor vehicle; 2. Heavy rains After the flood, without the necessary processing and start the motor vehicle. In both cases, it is necessary to obtain the corresponding compensation and must later wading insurance. The staff of the People's Insurance, said, because the Che Sunxian 20% of non-interest deductible ratio, therefore, if the vehicle is in the process of wading engine failure, the owner also is not deductible for insurance, in order to receive full compensation.

According to reports, due to geographical reasons, in Beijing insured wading insurance owners rarely. But they have also reminded, the present Beijing into the rainy season, more rain in recent years, Beijing Bridge District hydrocephalus resulting in severe rainstorm flooded car is also common for insurance purposes, it is recommended that owners insurance wading insurance.

■ Tips

The vehicle suffered rainstorm must know a few common sense

Car flooded not to strong start

Experts with years of experience in the maintenance vehicle in a stationary state, even if it was flooding over the top, engine and cylinder internal parts are seldom damage. Wrapped with a layer of aluminum alloy, even if the bubble for too long, just water and sediment, timely cleanup can. Water and sediment will cause damage to the circuit boards and other electronic equipment, but as long as Che Sunxian owners insurance, insurance companies will be given compensation. So, the car was immersed in water for a long time the owners do not have to worry too much, not strong Kai engine, normal circumstances, the engine will not be damaged.

2. Stagnant water more than the tire half of high Do not force wading

Vehicles deep wading is very dangerous, and often lead to serious engine damage, severe cases can lead to gearbox water body electrical damage. So, through the puddles, we must depend on the actual situation care through. If the water height of more than half of the tire, you can not wade through the exhaust pipe of the car at this height, forced through easily lead to the exhaust pipe water, so that the engine from serious injury.

Most easy water, bridge piers generally has a water depth scale, when water depths of up to 40 cm, ordinary cars do not passed.

3. Wading at low speed

To be linked to a block or 2 block

If the water is shallow, should also pay attention to the car can wade through, hanging low block or 2 block smooth drove into the water, avoid large H-throttle or dash to prevent water droplets splashing into the engine flameout.

Water traveling to stabilize the throttle, to stretch children through the surface of the water, try to avoid the midway shift or a sharp turn. Moving to try to monitor fixed targets in the distance, his hands holding the steering wheel straight ahead, must not be watching the water flow or spray, so as not to shake the the chaos sight a false impression, the vehicle deviated from the normal route and accidents. Another point to keep in mind is that if the car in front of wading, it is best not to follow in order to prevent the former car parking due to malfunction, forcing you in the water dilemma.