What are the serious consequences of the car being flooded?

Turn off the engine immediately without restarting.

The vehicle has been immersed in the water for a long time, so long as the vehicle is not started, the problem is not great. Because the volume of water is incompressible, when water enters the cylinder, the stored water will damage the valve and cylinder head during piston compression. Once something goes wrong, it is likely to be overhauled, and the repair cost ranges from thousands to tens of thousands; And this kind of human error, insurance will not pay for it.

Therefore, in case of flood, when it is determined that the vehicle cannot run, please immediately turn off the engine and stop starting the vehicle. As long as the owner has purchased the vehicle loss insurance, he can call the insurance company after the car enters the water.

Car damage insurance stipulates that the insurance company is responsible for all or part of the losses caused by lightning, rainstorm, flood, waterlogging and tsunami. However, many drivers will forcibly ignite the car again after the sudden flameout during wading, resulting in engine damage, and such loss insurance companies are not responsible for compensation. The next step for insurance and rescue is to report the case to the insurance company immediately (provided that the car damage insurance must be insured). If you don't report the case for more than 48 hours, the insurance company can refuse to pay compensation (because the car has been soaked in water for too long, resulting in parts damage, and the owner's rescue is not in place, the insurance company will also refuse to pay compensation or pay less).

Before the rescue vehicle arrives, if you are in the garage, you should pump water first, instead of blindly opening the sealed stopped vehicle and waiting for rescue at the scene. If you are driving, you can hang neutral in the car, and the owner can open the glass and push the car away from the wading area. Never open the door at will to avoid further water in it.

If the trailers in 4S shops and repair shops can't arrive in time, you might as well apply to the insurance company for trailer rescue. Related knowledge There is a kind of insurance specifically for engines in auto insurance called water insurance. Water-related insurance is also called engine special loss insurance. Insurance vehicles can pay compensation for engine damage caused by wading or flooded roads, and the amount of compensation ranges from several hundred to tens of thousands.

But now the insurance companies on the market basically do not have this kind of insurance. In other words, if there is no water-related insurance, the insurance company will not compensate for the loss of the engine, but the engine accessories, such as generators and air-conditioning pumps, will be compensated; Internal drying and loss of electronic components will also be compensated.

To sum up, don't panic after the car is flooded. As long as we face it calmly according to the above methods, actively rescue after being flooded, minimize losses, and actively cooperate with insurance companies to survey and determine losses, it will still be very convenient and fast to realize claims service.