How to compensate for the loss of flooded vehicles in underground garages?

1. If the developer fails to carry out the construction according to the relevant standards, resulting in the underground garage being prone to water inflow and abnormal drainage, the developer shall bear certain responsibilities for the loss of the owner;

2. If the property management company fails to fulfill the obligations of the manager and is responsible for the accumulation of water in the garage, then the property management company should also be responsible for the loss of the owner;

3. If the owner has done his duty of reasonable care and the vehicle is still flooded, then the owner is not responsible for the loss of his vehicle;

4. If the owner has already purchased relevant insurance, he can claim compensation from the insurance company.

If the vehicle is parked in the same place and flooded, there will be car damage insurance and full payment will be made.

There can also be car damage insurance, because car flooding itself is a kind of car damage insurance.

Automobile water intake can be divided into the following situations:

In the first case, water enters when the car is parked. For example, if you park in a low-lying place like an underground garage, the owner can get compensation if he buys car damage insurance. The insurance company will pay for your car repair. If the car is scrapped because of serious flooding, such as the roof has been flooded, there will be compensation for car scrapping, and compensation will be made according to the actual value of the car now.

In the second case, the car is driving and the owner drives the car into the water himself. At this time, it should be discussed in three situations: a. If your car is insured against water-related insurance, this situation can be paid. Of course, if there is no deductible for water-related insurance, there will be a 20% deductible, and if you buy it, you will be paid in full. B, if you don't have water insurance, the insurance company will compensate you for the parts except the engine, but to be honest, the main reason for the wading car is that the engine is out of order, and the other parts of the car body are just small money. C don't start the car by force when the car turns off when it is running. If it is forced to start, the insurance company will refuse to pay compensation, and you have to bear all the losses caused by it.