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Water damage to the car: Who pays and what do I have to consider? The expert explains
According to a report from www.bild.de, water damage to the car is in many cases covered by comprehensive insurance. If the water comes to the car, the comprehensive insurance pays; if the car comes to the water, the car owner has to pay for it himself. However, the specific liability depends on various factors. For example, whether the driver was able to recognize the flooded area or whether he was grossly negligent. The insurance company can reduce reimbursements depending on fault. In addition, partial vehicle insurance covers the financial consequences of flood damage, for example if the car is flooded in an underground car park or underpass. However, there are problems when the damage...
Water damage to the car: Who pays and what do I have to consider? The expert explains
According to a report by www.bild.de,
In many cases, water damage to the car is covered by comprehensive insurance. If the water comes to the car, the comprehensive insurance pays; if the car comes to the water, the car owner has to pay for it himself. However, the specific liability depends on various factors. For example, whether the driver was able to recognize the flooded area or whether he was grossly negligent. The insurance company can reduce reimbursements depending on fault.
In addition, partial vehicle insurance covers the financial consequences of flood damage, for example if the car is flooded in an underground car park or underpass. However, there are problems if the damage was caused through gross negligence.
The fact that insurance takes effect in the event of water damage to the car can have an impact on the used automobile market. Because potential buyers know they are covered in the event of water damage, demand for used cars could increase.
Additionally, car owners will likely be more cautious when parking their vehicles in vulnerable or flood-prone areas. This could lead to a change in parking behavior and a reduction in flood damage.
Overall, car owners, especially in flood-prone areas, should review their insurance policies and ensure they have adequate coverage. In view of increasing flood events, appropriate insurance coverage is essential to prevent financial damage.
It is important that car owners act prudently even after water damage and do not start an engine that has previously been flooded. Such behavior could worsen the damage and result in additional costs.
If your car is damaged by water, it is advisable to inform your car insurance company immediately and take photos for documentation. Car owners should be aware that having adequate insurance coverage and acting prudently in the event of water damage is crucial.
Read the source article at www.bild.de