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暴雨、洪水导致车子房子被淹 如何理赔?
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Topic: 暴雨、洪水导致车子房子被淹 如何理赔? (Read 116 times)
Sidoniahonoris
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暴雨、洪水导致车子房子被淹 如何理赔?
July 05, 2017, 04:42:45 PM
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原标题:暴雨、洪水导致车子房子被淹 如何理赔?
连日来的强降雨导致特大洪水,给不少市民造成困扰,财产损失金额巨大:不少车辆“趴窝”,有的更是直接成了“潜艇”。诸多地势较低的地区房屋被淹。“天漏了”,市民内心“奔溃”,车子、房子遭遇“灭顶之灾”,怎么理赔?为此,记者采访了相关业内人士。
参考折旧率后
一般会定全损赔偿
6月30日晚,家住长沙市岳麓区某小区的市民张先生照旧将车子停在小区,第二天呆掉了:“小区大面积被雨水淹没,车子直接成为潜水艇了。”张先生告诉记者,他报案后,保险公司查勘完建议他:“报废吧,可以算车损险的全损”。
像张先生汽车这样的“灭顶之灾”,能获赔多少呢?记者咨询保险公司理赔人士获知:如果受灾车辆车厢内水淹高度超过仪表台以上,那么即使修好了也没啥意义,通常保险公司会建议车主采用定全损方式处理。即按照实际价值(出险时的新车购置价扣除折旧)金额协商确定损失进行赔偿,受损车辆由保险公司收回处理。
一般小轿车的折旧率是每月0.6%、每年7.2%。举例来说,车辆购置时花了20万元,一年后折旧率为7.2%,投保时车损险保额就是18.6万元。也就是说,如果此时遭遇暴雨“灭顶之灾”,最多可赔18万多元。
发动机进水怎么赔
长沙某财险理赔事业部人士介绍,发动机进水造成的损失有很多种,本次暴雨以及洪水造成的水淹车辆发动机的拆解费、检测费、发动机油等检修、保养的修理费用,可以在车损险项下赔偿。如果投保了“发动机特别损失险”(即“涉水险”),那么发动机因进水造成发动机连杆、活塞以及缸体等损坏配件的费用可以获得赔偿。
多家保险公司人士提醒,车子行驶过水过程中熄火被淹,千万不要二次启动。否则没有投保“涉水险”,保险不赔发动机受损情况;而且二次启动造成的发动机受损,也会对车辆造成安全隐患。值得注意的是,多数保险公司对于车辆熄火后二次启动造成的损坏会认定为主观故意行为而不予赔付。
房屋被淹
家财险可理赔
此次的强降雨天气,湖南多地房屋被淹,这时候,家财险就显得尤为重要。前述长沙某财险公司人士介绍,我国现行的房屋保险一般只限于房屋结构本身及装修附属物。房屋保险一般分为“财产保险基本险”和“家庭财产保险”两类。
其中,家庭财产保险家财险作为一种不足额保险,投保人可粗略估算自家房屋以及附属设施所承受的最大损失后,按照一定的比例选择投保。一般来讲,家财险都有主险或是综合险,主险的承保包括房屋、装修和家居用品等,可以承保因暴雨、洪水、冰雹、爆炸等造成的家庭财产损失。此外家财险的附加险可以承保家庭财产盗抢损失、水管爆裂等。为规避由暴雨造成的财产损失,市民可选择投保一份家财险综合险,可附加暴雨、洪水等保险条款。
值得注意的是,手机、电脑,以及一些贵重或价值难以鉴定的字画、金银珠宝等,均不在保险保障范围。■记者 蔡平 实习生 邹雨
链接
涉水险和家财险
投保率低
“这次暴雨后很多车主都很诧异,明明买了车险,怎么就不能赔付?”对此,长沙某保险公司理赔部人士表示,很多车主习惯只买交强险和第三方责任险,这些险种是针对车辆出险时给予第三方的赔付,而没有针对车主自身车辆的赔付,车主只有购买了车损险,才可以让自己爱车在受损时得到赔付。
记者在采访中发现,湖南区域客户车损险投保率普遍不高,相对于车损险,涉水险投保率更低。
该保险公司理赔部人士分析表示,市民可能存在价格因素考量,一辆20多万的新车,车损险在3500元一年左右,而涉水险作为车损险的附加险,车主要购买涉水险的前提就是已经投保了车损险,目前涉水险的保费为车损险标准保费的5%。
除了车险,家财险的投保率也较低。记者在采访中发现,很多市民都不知道家财险,其实相比较车险,家财险的费用非常便宜,7月3日,记者查询某保险公司官网发现,100万元房屋、20万元装修、10万元室内财产保额的家财险,保费仅需280元。
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