The Rolls-Royce appears stuck in the water.
If you are trapped, immediately call 119, 110, or other rescue numbers so that the people in the vehicle can evacuate safely as quickly as possible.
Then contact a towing company to tow your vehicle to a 4S store.
After the car was pushed out of the water, the insurance company was immediately notified to take photos at the scene.
It will take some time as the vehicle is drained and inspected after it arrives at the 4S store.
In terms of insurance claims, insurance related to vehicle water wading includes engine special loss insurance, commonly known as water wading insurance and vehicle loss insurance. Vehicle damage insurance refers to losses to the vehicle itself caused by natural disasters or accidents within the scope of insurance liability. Natural disasters include lightning strikes, storms, heavy rain, and floods. A vehicle submerged in water is a vehicle loss caused by heavy rain. Vehicle water insurance provides compensation for engine damage caused by the vehicle being submerged or driven through water on roads with puddles. The difference between the two is that vehicle damage insurance covers vehicles that are passively submerged in water, while vehicle water related insurance covers vehicle owners who encounter problems while driving in water.
It is important to note that if the owner attempts to ignite a second time after the vehicle has stopped due to water intrusion and the engine is damaged, the insurance company will not pay compensation.
Insurance companies have their own criteria for determining specific claim amounts, which are generally divided into six stages. At the first level, there is no water or a small amount of water in the vehicle. The water level is above and below the door frame. The second level is flooded through the door frame. The carpet inside the car is soaked in water, but it doesn't reach the seats. The third level is submerged into the seating surface. The fourth level is submerged at the lower edge of the steering wheel. The fifth level is submerged in the instrument panel. The sixth stage is when the entire vehicle is completely submerged in water. Class 4 flooded vehicles are likely to be scrapped immediately because repair costs are high if the engine and most electronic components are exposed to water. If the flood exceeds level 4, the insurance company will generally calculate the claim amount based on the customer's automobile damage insurance limits and the vehicle depreciation formula in the insurance contract.
This means that after your Rolls-Royce becomes stuck in the water, it is very important to carry out follow-up tasks such as rescuing people, towing the vehicle, notifying insurance, and understanding the compensation process to minimize losses.
