How to pay for the insurance when the car is parked in the underground garage and flooded?

The compensation method for flooding when the car is parked in the underground garage is as follows:

1. If the owner feels that the property and the developer have not fulfilled their responsibilities and the parking lot is flooded, they can bring a lawsuit to the court;

2, natural disasters caused by the loss of the insured motor vehicle, the insurance company shall be responsible for compensation according to the agreement;

3. If the parking fee is paid to the property company, the legal relationship with the property company is paid custody;

4. If the property management company neglects to take precautions and fails to fulfill the necessary care or management obligations, causing damage to the vehicle, the property management company shall be liable for damages to the owner.

If my car is damaged by the typhoon, can I apply for insurance?

1. If you buy car damage insurance and the typhoon vehicle is damaged, the insurance company is responsible for compensation;

2. If you don't buy car damage insurance, you can't get compensation from the insurance company;

3. If the typhoon causes the vehicle to enter the water, and the vehicle enters the water above the hood and dashboard, then the vehicle is basically scrapped, and the insurance company will generally treat it as a total loss and pay the amount of car damage insurance;

If the owner forcibly ignites the engine for the second time and the engine is damaged, the insurance company will not compensate.

Legal basis: Article 182nd of the Civil Code of People's Republic of China (PRC).

If property losses are caused by infringement of the personal rights and interests of others, compensation shall be made according to the losses suffered by the infringed or the interests obtained by the infringer; It is difficult to determine the losses suffered by the infringer and the benefits gained by the infringer. If the infringer and the infringed party fail to reach an agreement on the amount of compensation and bring a lawsuit to the people's court, the people's court shall determine the amount of compensation according to the actual situation.