Who should be responsible for the vehicle damage caused by the flooding of the garage in the community?

Legal analysis: 1. The insurance company shall be responsible for the compensation for the losses caused by natural disasters of the insured motor vehicle. In an underground garage like this, the car is damaged due to the accumulated water in the garage, which meets the claim conditions of car damage insurance.

2. In addition, the parking fee has been paid to the property management company, forming a legal relationship with the property management company. At this time, the property management company has the obligation to predict the weather changes and take necessary and reasonable measures to eliminate risks, rescue and remedy in time. If the property management company neglects to take precautions and fails to fulfill the necessary care or management obligations, thus causing damage to the vehicle, the property management company shall be liable for damages to the owner.

3. At the same time, the water inflow into the underground garage may also be related to the developer's design or construction not meeting the requirements. A very important facility of the underground garage is a drainage system, which can discharge the waterlogging disaster caused by the generally predictable rainstorm. If the drainage system can't meet the drainage demand at the beginning of design, which leads to the damage of the underground garage filling wheel, then the owner who has bought the underground garage can ask the developer to bear certain compensation liability according to relevant laws.

Legal basis: Article 942 of the Civil Law of People's Republic of China (PRC) stipulates that the property service provider shall, in accordance with the agreement and the nature of the use of the property, properly repair, maintain, clean, afforest and manage some owners in the property service area, maintain the basic order of the property service area, and take reasonable measures to protect the personal and property safety of the owners.

Property service providers shall take timely and reasonable measures to stop acts that violate laws and regulations such as public security, environmental protection and fire protection in the property service area, report to the relevant administrative departments and assist in handling them.