Will the garage be flooded?

1. The insurance company shall be responsible for the losses caused by natural disasters of the insured motor vehicle. In an underground parking lot like this, the car is damaged because of the accumulated water in the parking lot, which meets the claim conditions of car damage insurance. However, it should be noted that if the car enters the water and the owner tries to start the engine, resulting in engine damage, the insurance company has an exemption clause for engine loss.

2. In addition, paying parking fees to the property company forms a legal relationship with the property company. At this time, as a car keeper, it is obliged to predict the weather changes, foresee the damage and notify it in time, and then take necessary and reasonable risk removal, emergency rescue and remedial measures. If the property management company neglects to take precautions and fails to fulfill the necessary care or management obligations, resulting in vehicle damage, according to the provisions of Article 374 of China's Contract Law, 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 in the underground parking lot 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 needs at the beginning of the design, resulting in the damage of the underground garage water filling wheel, then the owner who has purchased the underground parking space can ask the developer to bear certain compensation liability according to the relevant laws.

Extending information property management liability insurance is an effective economic means to transfer the risk of negligence liability in the operation of property management enterprises. This insurance is of positive significance to insurance companies, property management companies and property users. ?

1. Property management liability insurance can expand the service field of insurance, help the emerging industry of property management to relieve the troubles of economic liability disputes through insurance means, and promote its healthy and stable development.

2. Maximize the economic interests and legitimate rights and interests of property users, and get timely compensation when the legitimate rights and interests of property users are infringed.

It can promote the reform of housing system. With the deepening of housing system reform, self-owned property has become an important part of many family properties. The safety of housing is very important to a family. This insurance provides supporting insurance services for housing system reform. Together with building mortgage insurance and family property insurance, it has become a series of insurance products providing supporting services for individual housing consumption, which can eliminate people's worries and promote housing system reform.

4, can enhance the social disaster prevention and relief forces. The insurer of property insurance can check the safety of the insured house and property, and make use of the experience accumulated in daily business activities to put forward reasonable suggestions to the insured to eliminate unsafe factors.

References:

Baidu encyclopedia-property management liability insurance