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Expert tips for cars to be compensated for 100% insurance when the car is flooded

Insurance consultants believe that, if the car does not purchase a water damage clause, the insurance intends to exclude engine damage is wrong.

Heavy rain on the afternoon of May 29 caused many roads in Hanoi to be deeply flooded. Accordingly, many vehicles also have difficulty moving, even many cars and motorbikes have stalled and cannot move.

Expert tips for cars to be compensated for 100% insurance when the car is flooded - 1

According to experts, if the car does not purchase a water-stripping clause, the insurance that excludes engine damage is wrong. Photo: PLO

In this case, many car owners will not know how to handle the situation when going through a flooded area, so they start the engine even though the engine is off. This can cause the car to be damaged and the car owner will have to spend a lot of money to repair.

Faced with that situation, many people question whether a car that is flooded or water damaged is covered by insurance.

Talking to PLO, Mr. Nguyen Khac Xuan (CEO of InFair Insurance Consulting Co., Ltd.) said that flooding means the vehicle is flooded, while water damage is the phenomenon of water entering the engine through the air intake, causing engine damage. .

“Inundation is a basic insurable peril, with no additional purchase required. Therefore, the “auto” engine and electrical system are covered, “- Mr. Xuan emphasized.

Also according to Mr. Xuan, if the car does not buy the terms of water hammer, the insurance intended to exclude engine damage is wrong, flooded but not water-damaged, the car owner will be compensated 100%. If you buy a water strike clause, but the insurance unit claims to pay according to the water strike condition (usually only 70-80% compensation) is also not correct.

“As for the electrical system, some companies exclude electrical system damage caused by vehicles operating in flooded areas. The vehicle was submerged by the flood when it was not working, so it cannot be ruled out,” added Mr. Xuan.

Therefore, this CEO believes that the above cases will be compensated 100% by the insurance unit for the car owner. And if it is water-jacked, it will be deducted according to the terms of the separate water-jacking of the engine.

According to THY NHUNG (Ho Chi Minh City Law)

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