If the car is parked in the underground garage of the community and flooded when it rains, who will pay for it?

The responsibilities of rainwater and flood in the underground garage of the parking lot are divided as follows:

1, the insurance company shall be responsible for the compensation for the losses caused by natural disasters of the insured motor vehicle;

2. Property: Responsible for disaster prevention, and notify the owners to take precautions, pay parking fees to the property company, and form a legal relationship with the property company for paid custody. At this time, as a car keeper, it is obliged to predict the weather changes, predict the damage and notify it in time, take necessary and reasonable measures to eliminate risks and carry out rescue and remedy afterwards;

3, underground garage water may also be related to the developer's design or construction does not meet the requirements.

What if the car is flooded?

1, the car is flooded, which is divided into two situations: one is that the car is flooded in the garage or parking lot, and the other is flooded while driving. In either case, it should be noted that if the owner starts the vehicle for the second time, the insurance company will never compensate;

2. If you bought vehicle loss insurance when you bought insurance, then the owner can apply for compensation from the insurance company. If you only buy compulsory insurance, the insurance company will not compensate. Buy commercial insurance (including car damage insurance) and compulsory insurance, and the engine loss will not be compensated.

3. Vehicle water insurance is specially designed for the engine of flooded vehicles. If the engine loss is caused by restarting after being submerged by fire during driving, no matter whether you buy water-related insurance or not, you will not pay for it.

4. Generally, the insurance company will have a trailer rescue service, and the owner can wait, but if the trailer can't reach the scene, he can rescue himself. If there is no second start or long soaking, the car can still be used

Legal basis: Article 179th of the Civil Code of People's Republic of China (PRC).

Anyone who infringes on others and causes personal injury shall pay compensation for medical expenses, nursing expenses, transportation expenses, nutrition expenses, hospital food subsidies and other reasonable expenses for treatment and rehabilitation, as well as the income reduced due to missed work. If it causes disability, it shall also compensate for the cost of assistive devices and disability compensation; If death is caused, funeral expenses and death compensation shall also be paid.