Stop immediately without restarting
If the vehicle is soaked in water for a long time, it will not be a big problem until the vehicle restarts. Since the volume of water is incompressible, when water enters the cylinder, the accumulated water will damage the valve and cylinder head during the piston compression process. Once a problem occurs, it will likely require major repairs, and the cost of repairs can range from a few thousand to tens of thousands and insurance will not pay for this type of human error;
Therefore, when you encounter flooding and determine that the vehicle cannot move, please turn off the engine immediately and do not restart the vehicle. As long as the car owner has vehicle damage insurance, he or she can call the insurance company if the car is flooded.
Vehicle damage insurance stipulates thatthe insurance company will be responsible for compensating all or part of the loss of a motor vehicle due to lightning, heavy rain, floods, waterlogging, tsunamis, etc. However, many drivers force restart the engine after their car suddenly stalls while wading through water, causing engine damage. Insurance companies are not responsible for compensating these losses. Insurance and relief The next thing to do is to immediately declare the insurance to the insurance company (the prerequisite is that you have car damage insurance). If you do not report insurance for more than 48 hours, the insurance company may refuse to do so. pay (because the car has been soaked in water for too long) If the parts are damaged, the insurance company will refuse to pay or pay less due to the car owner's inability torescue in time.)
Before the rescue vehicle arrives, if you are in the garage, pump out the water first. Do not blindly open the sealed and parked vehicle and wait for help on site. If you are driving, you can put the gear in neutral in the car and the owner can open the window and move the vehicle away from the fording area. Never open the car door at will to avoid further flooding of the interior.
If the tow truck from 4S store or repair shop cannot arrive in time, you may want to ask the insurance company to rescue the tow truck. Related Knowledge: There is a type of insurance in car insurance specifically for engines called water insurance. Water-related insurance is also called special engine loss insurance. The insured vehicle will be compensated for engine damage caused by fording on a waterlogged road or by aflood. The amount of compensation can vary from a few hundred to tens of thousands.
But practically no insurance company on the market currently offers this type of insurance. That is, if there is no water insurance, the insurance company will not compensate for the loss of the engine, but it will compensate for the accessories of the engine, such as generators, pumps air conditioning, etc. the loss of interior drying and electronic components will also be compensated.
To summarize, once your car is flooded, don't panic. Just follow the above methods to deal with it calmly, actively rescue after the car is flooded, minimize losses, and actively cooperate with insurance. After the damage assessment, you will still benefit from the claims settlement service in a very convenient and fast way.