Should the property management company pay for the flooded vehicle?

First, the flooded car has the skill to "land" early.

After the vehicle was flooded, most car owners were very anxious and distressed. But we still warn car owners and friends, first of all, we must carefully choose the countermeasures.

1. Notify the insured insurance company as soon as the vehicle is soaked in water. We call it reporting the case, and ask the staff of the insurance company or entrust a third party to conduct on-site investigation. However, under normal circumstances, when a large number of vehicles are flooded, insurance companies often cannot rush to the scene in time to deal with them. They can ask the insurance company, the car owner or the insured to take photos of the flood situation with a camera or mobile phone as evidence of claim.

2. Before the rescue trailer arrives, it is best to disconnect the power supply of the vehicle battery at the first time. Usually, the negative terminal of the battery is removed and the gear of the gearbox is selected in neutral. In order to avoid misoperation and start in the process of trailer, the loss to the vehicle is enlarged. This is very important, because when the trailer is in the trailer, it is often necessary to use the key of the steering wheel of the vehicle to open the mechanical locking mechanism, but at the same time, the power switch of the electrical appliance will be turned on to energize the vehicle electrical appliance. As we all know, the loss caused by the immersion and electrification of electrical appliances is self-evident.

Many car owners are most concerned about calling a trailer immediately and dragging the vehicle to the maintenance station. However, the best time for trailer rescue may be delayed because many maintenance station customers are in urgent need of rescue. Car owners and friends may wish to seek trailer assistance from the insurance company. Many insurance companies have free rescue programs, so the majority of car owners and friends also save the towing fee of the trailer company. More importantly, in terms of claims, at least as the owner, the vehicle was rescued correctly in time, avoiding the vehicle from being "soaked" in stagnant water for a long time. "If the electronic components of the vehicle are damaged because they have been' soaked' in stagnant water for a long time, the owner may be refused compensation because the rescue is not timely."

Second, it is very important to choose a maintenance station for flooded vehicles.

As the owner, most vehicles are towed to the maintenance station, and everything will be fine. I once met a friend's car, and after it was towed to the maintenance station, I was finally told by the maintenance station that the engine of the car was damaged and needed to be overhauled? Then I found the insurance company, and the insurance company said that the connecting rod of the vehicle engine was badly deformed because of the wrong maintenance method and needed to be overhauled. But because it can't be proved that it is the fault of the maintenance station staff, the friend can only be a big head, admit the loss and lose the maintenance fee. In order to learn a lesson, please ask the majority of car owners to go to the maintenance station for maintenance at the first time.

1. On the maintenance list, confirm that the vehicle has not started, and remind the maintenance station staff not to try to start and check the problems existing in the vehicle during maintenance.

2. It's best to find a trusted master and do a good job of maintenance and confirmation step by step according to the process.

Third, the disposal skills of flooded vehicles and maintenance stations

Due to the differences in the technical strength of each maintenance station, there are often some differences in maintenance methods. If the operation is not carried out according to the standard method, the loss of subsequent vehicles will increase, and the insurance company will not admit it. The following are some process instructions for reference only!

1. After the vehicle arrives at the maintenance station, confirm whether the power supply is disconnected at the first time.

2. When accepting the vehicle, ask the owner if he has tried to start the vehicle. And the owner has begun to do a good job in the case of making maintenance orders.

3. Ask the vehicle underwriting insurance company to verify the loss on site in time. Take pictures of the flood. If the insurance company can't come to the door in time because of the staff, you can ask for consultation with the insurance company, and the maintenance station will take photos first to verify the initial loss. Ensure that the flooded vehicles can be dismantled, inspected and cleaned in time to reduce the losses caused by long flooding time.

4, according to the degree of flooding, reasonable choice of maintenance scheme.

5. Clean the seat and carpet with high-pressure water gun, and thoroughly clean with foam cleaner. In particular, because there is a sponge inside the seat, it is necessary to disassemble the seat to clean it effectively and thoroughly.

6. Electrical appliances should be cleaned in time. The cleaning agent should be soaked in alcohol, then blown clean with clean compressed gas, and then dried with an electric hot air gun. The temperature of electric air should not be too high.

7. To dispose of the engine, it is necessary to remove all the spark plugs of the vehicle and turn the engine for more than two turns with tools to ensure that the water in the cylinder is discharged. Finally, the cylinder pressure test is carried out. Generally, the cylinder pressure of a gasoline engine is between 900kPa and 1 100kPa. If the cylinder pressure difference is too large, the engine needs to be disassembled for maintenance. The possible problems will be: 1, the engine side rod is deformed, resulting in the piston stroke shortening and the gas cannot be fully compressed. 2. The piston ring loses elasticity or the seal is not tight, resulting in air leakage. Compressed gas is sucked into the crankcase. 3. When the intake valve and exhaust valve are closed, they are not sealed, resulting in compressed gas leaking into the intake manifold and exhaust manifold.

Fourth, who will pay for the loss? You must know something in your heart.

The car was parked in the underground garage, which was supposed to be "the most secure", but it was "soaked" by heavy rain and needed to be overhauled. As a car owner, I am naturally angry. Then, who should compensate the owner for the loss? In this case, should the insurance company make a claim? As a residential property company, should it be responsible?

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.

4. "The owner can choose the object of claim according to his own actual situation, and the insurance company has obtained the right of recourse against the property company after the owner claims."