Property natural disaster insurance

Recently, there was a heavy rain in Guangdong, and there was water in many places. An underground garage in Guangzhou was seriously flooded, causing nearly 400 cars to be damaged. The owner went to the property to discuss the argument and was rejected. This caused a heated discussion among netizens. Is the property not responsible for this matter? Nearly 400 cars were lost and the property was irresponsible. Who can the owner rely on? Can I rely on auto insurance?

0 1. The property has certain responsibilities, and they have not taken flood control measures. The owner pays the property management fee every year, which means that the property should fulfill its obligations, manage the order of vehicles and ensure the safety of the garage. And these, the property of this community obviously did not do it. Why not put it aside? Why is there water in the garage? Problems, the property also has the responsibility of poor management. Even if the garage was flooded because the construction team didn't have design drawings and drainage system before, the property was also responsible for negligence.

The weather forecast is reported every day It rains continuously in Guangzhou, with sufficient rainfall. Isn't this worthy of the attention of residential property? Their own drainage system is not good, and they don't take flood control measures. This is their pot! Who don't they carry? It is said that it is natural and man-made disasters, but this kind of loss can be completely reduced by human means. And this is not uncommon! Most communities will take flood control measures, and some rainwater will be blocked by water baffles or sandbags, but there is nothing in this community! It is precisely because they do not pay attention to the risks brought by heavy rain that 400 cars have been immersed in water for a long time, which has brought such great losses to the owners!

After the incident, the property wanted to evade responsibility. Who is willing to pay them property fees in the future? It is difficult for irresponsible enterprises to continue to operate. As a car owner, we must take up legal weapons, actively safeguard rights and protect our legitimate interests.

02. If the property is unreliable, can auto insurance be reliable? Nearly 400 vehicles were damaged and the loss was nearly 50 million. Such a large digital property wants to clear its responsibilities, so what can the owners do besides actively defending their rights? Of course consider auto insurance. Most people will have insurance after buying a car, but the types of insurance are different. It doesn't mean that buying insurance can make up for the loss caused by car flooding. Auto insurance is divided into compulsory insurance and commercial insurance. The former is to be bought, and the latter is the focus of today's discussion. Can car owners rely on auto insurance to make up for their losses?

Some car owners like to avoid risks, so they will buy all risks. In this case, if the car is scratched or damaged, they can apply for compensation. But this does not mean that you must have a chance to get a claim if you buy all the insurance. All insurance prices are still relatively expensive, so you need to be cautious when buying, and it is best to do it according to your own needs. Learn about the commercial insurance that may be used in this garage water incident to answer the above questions. Is auto insurance reliable? ? This question.

(1) Vehicle damage insurance: it belongs to the basic insurance of vehicle insurance, which means that the insured or its permitted driver has an insurance accident while driving the insured vehicle, and the insured vehicle is damaged, and the insurance company should make compensation within a reasonable range.

(2) Third-party liability insurance: The insurance company shall be responsible for the economic responsibility that the insured should bear according to law if the insured or its licensed driver has an accident in the process of using the insured vehicle, resulting in personal injury or direct property loss to a third party. Seeing the above explanation, we should understand that the damage caused by the water entering the garage to the car is not within the scope of compensation, because this is the time of damage and not the time of driving. Therefore, car owners are still actively defending their rights, and auto insurance is not reliable!