汛期多雨！万一爱车泡水，保险到底赔不赔？
<div class="wx_rich_media_content" id="jsWxContainer"><section data-role="outer" label="edit by 135editor" data-pm-slice="0 0 []"><section><section><section label="edit by 135editor" style="line-height: 1.75;" data-mpa-action-id="mtczc9x216mq"><section label="edit by 135editor" style="line-height: 1.6;"><section label="edit by 135editor"><section data-role="paragraph" style="max-width: 100%; box-sizing: border-box; visibility: visible;"><section data-role="paragraph" style="max-width: 100%; box-sizing: border-box;"><section data-role="paragraph" style="max-width: 100%; box-sizing: border-box; visibility: visible;"><section data-role="paragraph"><section data-role="outer" label="edit by 135editor"><section data-role="paragraph"><section style="text-align: center;"><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; letter-spacing: 0.034em;">汕头已进入多雨汛期</span></section><section data-tplid="319746" data-tools="135编辑器"><section data-role="outer" label="edit by 135editor" data-tplid="309862"><section data-role="paragraph"><section data-role="paragraph" style="font-size: 18px;letter-spacing: 0.5px;font-family:微软雅黑;"><section data-tools="135编辑器" data-id="110055"><section><section><p style="text-align:center;line-height: 1.75;"><span style="color: rgba(0, 0, 0, 0.9); letter-spacing: 0.034em; font-size: 16px; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span leaf="">遇到短时强降雨很容易出现<span textstyle="" style="color: rgb(255, 41, 65);font-weight: bold;">路面积水</span></span></span></p><section style="text-align: center;"><span leaf="" style="color: rgba(0, 0, 0, 0.9); font-size: 16px; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; letter-spacing: 0.034em;">万一爱车<span textstyle="" style="color: rgb(255, 41, 65);font-weight: bold;">不慎泡水</span></span></section><p style="text-align:center;line-height: 1.75;"><span style="color: rgba(0, 0, 0, 0.9); letter-spacing: 0.034em; font-size: 16px; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span leaf="">保险会赔吗？到底如何理赔？</span><span leaf=""><br></span></span></p></section></section></section></section><p style="text-align:center;font-size: 18px;letter-spacing: 0.5px;line-height: 1.75;font-family:微软雅黑;"><span style="color: rgba(0, 0, 0, 0.9); letter-spacing: 0.034em; font-size: 16px; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span leaf="">这份避坑指南建议各位车主朋友提前收藏</span></span></p><section><span leaf=""><br></span></section><section style="text-align: center;" nodeleaf=""><span class="wxart_image" wx-style="display:inline-block;border-style:solid;border-width:2px;border-radius:8px;box-shadow:rgb(180, 180, 180) 0px 0px 14px 0px;width:570px;height:341px;"></span></section><p style="line-height:1.75;"><span style="color: rgba(0, 0, 0, 0.9); letter-spacing: 0.034em; font-family: mp-quote, system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span leaf=""><br></span></span></p><section data-tools="135编辑器" data-id="166750" style="font-size: 18px;letter-spacing: 0.5px;font-family:微软雅黑;"><section style="margin: 10px auto;"><section style="width: 75px;margin-left: auto;margin-bottom: -6px;box-sizing:border-box;" data-ignore-width="" nodeleaf=""><span class="wxart_image" wx-style="display:inline-block;width: 100%;display: block;vertical-align:baseline;box-sizing:border-box;max-width:100% !important;"></span></section><section style="padding: 3px; box-shadow: rgb(183, 183, 181) 1px 1px 1px; margin: 0px 2px 2px 0px; box-sizing: border-box;"><section style="background-color: #1a71a4;padding: 8px 15px;box-sizing:border-box;"><section style="font-size: 16px;color: #ffffff;text-align: center;"><strong data-brushtype="text"><span leaf="">极端天气下，车辆被水泡之后，保险公司如何赔付？</span></strong></section></section></section></section></section><p style="line-height:1.75;"><strong><span leaf="">很多车主都有个顾虑：没单独买涉水险，车子泡水是不是就赔不了？</span></strong><span leaf="">其实完全不用担心。</span></p><p style="line-height:1.75;"><span leaf="">早在2020年车险综合改革落地后，涉水险就正式并入了车损险保障范畴。一同被整合进去的，还有全车盗抢险、玻璃单独破碎险、自燃险、不计免赔险、无法找到第三方特约险、指定修理厂险等多项附加险。车损险是商业车险的核心主险，只要车辆投保了商业车险，基本都会包含车损险，涉水导致的车辆损失都可以正常走理赔流程。</span></p><p style="line-height:1.75;"><span leaf="">如果开车途经积水路段导致车辆熄火，</span><strong><span leaf="">千万不要二次启动</span></strong><span leaf="">，二次点火会给发动机造成严重的二次损伤，还可能影响理赔结果。正确操作是：先第一时间撤离到安全地带，保障自身人身安全，再拨打保险公司电话报案。保险公司会安排理赔专员到现场查勘，后续走车损险进行赔付。</span></p><p style="line-height:1.75;"><span leaf="">如果车辆是在停放状态下遭遇水淹，发现车厢进水后，直接联系保险公司报案即可。同样会有专员到场查勘定损，相关损失都可以通过车损险赔付。</span></p><section data-tools="135编辑器" data-id="166750" style="font-size: 18px;letter-spacing: 0.5px;font-family:微软雅黑;"><section style="margin: 10px auto;"><section style="width: 75px;margin-left: auto;margin-bottom: -6px;box-sizing:border-box;" data-ignore-width="" nodeleaf=""><span class="wxart_image" wx-style="display:inline-block;width: 100%;display: block;vertical-align:baseline;box-sizing:border-box;max-width:100% !important;"></span></section><section style="padding: 3px; box-shadow: rgb(183, 183, 181) 1px 1px 1px; margin: 0px 2px 2px 0px; box-sizing: border-box;"><section style="background-color: #1a71a4;padding: 8px 15px;box-sizing:border-box;"><section style="font-size: 16px;color: #ffffff;text-align: center;"><strong data-brushtype="text"><span leaf="">车辆被水冲走，保险公司如何赔付？</span></strong></section></section></section></section></section><p style="line-height:1.75;"><strong><span leaf="">即便遇上车辆被水冲走这种极端情况</span></strong><span leaf="">，</span><strong><span leaf="">保险公司也会按照车损险的相关约定进行赔付，不用怕得不到保障。</span></strong></p><p style="line-height:1.75;"><span leaf="">如果车辆被冲走后还能找到，车主在确认车辆位置后，第一时间联系保险公司报案即可，后续会有理赔专员对接，完成现场查勘、定损等理赔流程。</span></p><p style="line-height:1.75;"><span leaf="">要是车辆被冲走后彻底搜寻不到，车主需要先到属地派出所报案，拿到派出所开具的车辆丢失证明后，再向保险公司提交理赔申请。保险公司会按照当年的车险投保保额，按推定全损进行赔付。</span></p><section data-tools="135编辑器" data-id="166750" style="font-size: 18px;letter-spacing: 0.5px;font-family:微软雅黑;"><section style="margin: 10px auto;"><section style="width: 75px;margin-left: auto;margin-bottom: -6px;box-sizing:border-box;" data-ignore-width="" nodeleaf=""><span class="wxart_image" wx-style="display:inline-block;width: 100%;display: block;vertical-align:baseline;box-sizing:border-box;max-width:100% !important;"></span></section><section style="padding: 3px; box-shadow: rgb(183, 183, 181) 1px 1px 1px; margin: 0px 2px 2px 0px; box-sizing: border-box;"><section style="background-color: #1a71a4;padding: 8px 15px;box-sizing:border-box;"><section style="font-size: 16px;color: #ffffff;text-align: center;"><strong data-brushtype="text"><span leaf="">保险公司依据什么标准进行全损赔付？</span></strong></section></section></section></section></section><p style="line-height:1.75;"><strong><span leaf="">保险公司判断车辆是否达到推定全损，核心参考标准是车内的积水水位线。</span></strong><span leaf="">如果水位高度没过了车辆仪表台，一般就符合推定全损的赔付条件。</span></p><p style="line-height:1.75;"><strong><span leaf="">不过即便水淹高度一致，推定全损的标准也不是统一的。不同品牌、不同车型的维修报价差异不小，最终的定损判定也会因此有所区别。</span></strong></p><p style="line-height:1.75;"><span leaf="">如果车辆确实达到了推定全损的赔付标准，理赔专员会提前和车主沟通协商，充分听取车主的意愿，由车主决定最终是走全损赔付，还是选择维修车辆。</span></p><section data-tools="135编辑器" data-id="166750" style="font-size: 18px;letter-spacing: 0.5px;font-family:微软雅黑;"><section style="margin: 10px auto;"><section style="width: 75px;margin-left: auto;margin-bottom: -6px;box-sizing:border-box;" data-ignore-width="" nodeleaf=""><span class="wxart_image" wx-style="display:inline-block;width: 100%;display: block;vertical-align:baseline;box-sizing:border-box;max-width:100% !important;"></span></section><section style="padding: 3px; box-shadow: rgb(183, 183, 181) 1px 1px 1px; margin: 0px 2px 2px 0px; box-sizing: border-box;"><section style="background-color: #1a71a4;padding: 8px 15px;box-sizing:border-box;"><section style="font-size: 16px;color: #ffffff;text-align: center;"><strong data-brushtype="text"><span leaf="">车内财物在暴雨中丢失了，保险公司是否赔付？</span></strong></section></section></section></section></section><p style="line-height:1.75;"><span leaf="">如果车内丢失的财物单独投保了财物险，车主可以联系对应的保险公司咨询相关理赔事宜。</span></p><p style="line-height:1.75;"><span leaf="">在此也提醒广大车主，日常尽量不要将贵重财物放置在车内，从源头规避财物遗失的风险。</span></p><section data-tools="135编辑器" data-id="166744" style="font-size: 18px;letter-spacing: 0.5px;font-family:微软雅黑;"><section style="margin: 10px auto;"><section style="width: 80px;margin-bottom: -7px;box-sizing:border-box;" data-ignore-width=""><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 127.01 20.99" style="display: block;"><g data-name="图层 2"><g data-name="图层 1"><path d="M112,21l8.12-10.49L112,0h6.89L127,10.5,118.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M98,21l8.12-10.49L98,0h6.89L113,10.5,104.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M85,21,93.12,10.5,85,0h6.89L100,10.5,91.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M70,21,78.12,10.5,70,0h6.89L85,10.5,76.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M56,21,64.12,10.5,56,0h6.89L71,10.5,62.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M43,21,51.12,10.5,43,0h6.89L58,10.5,49.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M27,21,35.12,10.5,27,0h6.89L42,10.5,33.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M13,21,21.12,10.5,13,0h6.89L28,10.5,19.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M0,21,8.12,10.5,0,0H6.89L15,10.5,6.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path></g></g></svg></section><section style="background-color: #1a71a4;padding: 10px 15px;margin: 0 10px;box-sizing:border-box;transform: rotate(0deg);-webkit-transform: rotate(0deg);-moz-transform: rotate(0deg);-o-transform: rotate(0deg);"><section style="font-size: 16px;color: #ffffff;text-align: center;"><strong data-brushtype="text"><span leaf="">什么情况下保险公司会拒赔？</span></strong></section></section><section style="width: 80px;margin-top: -7px;margin-left: auto;box-sizing:border-box;" data-ignore-width=""><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 127.01 20.99" style="display: block;"><g data-name="图层 2"><g data-name="图层 1"><path d="M112,21l8.12-10.49L112,0h6.89L127,10.5,118.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M98,21l8.12-10.49L98,0h6.89L113,10.5,104.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M85,21,93.12,10.5,85,0h6.89L100,10.5,91.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M70,21,78.12,10.5,70,0h6.89L85,10.5,76.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M56,21,64.12,10.5,56,0h6.89L71,10.5,62.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M43,21,51.12,10.5,43,0h6.89L58,10.5,49.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M27,21,35.12,10.5,27,0h6.89L42,10.5,33.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M13,21,21.12,10.5,13,0h6.89L28,10.5,19.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M0,21,8.12,10.5,0,0H6.89L15,10.5,6.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path></g></g></svg></section></section></section><p style="line-height:1.75;"><span style="color:#d82821;"><strong><span leaf="">1.未年检车辆出险，保险公司不予赔付。</span></strong></span><span leaf="">不少车主常会忘记按时办理车辆年检，要是车辆刚好在脱检期间发生事故，保险公司会做拒赔处理。保险条款明确约定，保障仅针对合格、合法的上路车辆生效；未年检车辆属于不合格车辆，本身就不具备合法上路资格，因此出险后无法获得赔付。</span></p><p style="line-height:1.75;"><span style="color:#d82821;"><strong><span leaf="">2.涉水熄火后强行二次启动发动机，造成的损失保险公司不予赔偿。</span></strong></span><span leaf="">车辆涉水熄火后，如果车主执意二次点火启动，由此造成的发动机损坏属于人为导致的扩大损失，保险公司有权拒绝赔付这部分损伤。</span></p><section data-tools="135编辑器" data-id="166744" style="font-size: 18px;letter-spacing: 0.5px;font-family:微软雅黑;"><section style="margin: 10px auto;"><section style="width: 80px;margin-bottom: -7px;box-sizing:border-box;" data-ignore-width=""><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 127.01 20.99" style="display: block;"><g data-name="图层 2"><g data-name="图层 1"><path d="M112,21l8.12-10.49L112,0h6.89L127,10.5,118.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M98,21l8.12-10.49L98,0h6.89L113,10.5,104.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M85,21,93.12,10.5,85,0h6.89L100,10.5,91.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M70,21,78.12,10.5,70,0h6.89L85,10.5,76.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M56,21,64.12,10.5,56,0h6.89L71,10.5,62.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M43,21,51.12,10.5,43,0h6.89L58,10.5,49.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M27,21,35.12,10.5,27,0h6.89L42,10.5,33.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M13,21,21.12,10.5,13,0h6.89L28,10.5,19.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M0,21,8.12,10.5,0,0H6.89L15,10.5,6.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path></g></g></svg></section><section style="background-color: #1a71a4;padding: 10px 15px;margin: 0 10px;box-sizing:border-box;transform: rotate(0deg);-webkit-transform: rotate(0deg);-moz-transform: rotate(0deg);-o-transform: rotate(0deg);"><section style="font-size: 16px;color: #ffffff;text-align: center;"><strong data-brushtype="text"><span leaf="">车辆被淹后怎么做？</span></strong></section></section><section style="width: 80px;margin-top: -7px;margin-left: auto;box-sizing:border-box;" data-ignore-width=""><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 127.01 20.99" style="display: block;"><g data-name="图层 2"><g data-name="图层 1"><path d="M112,21l8.12-10.49L112,0h6.89L127,10.5,118.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M98,21l8.12-10.49L98,0h6.89L113,10.5,104.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M85,21,93.12,10.5,85,0h6.89L100,10.5,91.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M70,21,78.12,10.5,70,0h6.89L85,10.5,76.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M56,21,64.12,10.5,56,0h6.89L71,10.5,62.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M43,21,51.12,10.5,43,0h6.89L58,10.5,49.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M27,21,35.12,10.5,27,0h6.89L42,10.5,33.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M13,21,21.12,10.5,13,0h6.89L28,10.5,19.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path><path d="M0,21,8.12,10.5,0,0H6.89L15,10.5,6.89,21Z" style="fill:#ffc34f;fill-rule:evenodd;"></path></g></g></svg></section></section></section><p style="line-height:1.75;"><span leaf="">车辆被淹熄火后，切记不要移动车辆或二次启动发动机，按下面三步处理，能把损失降到最低：</span></p><p style="line-height:1.75;"><span style="color: rgb(216, 40, 33);"><strong><span leaf="">一、出险报案</span></strong></span></p><p style="line-height:1.75;"><span leaf="">车辆被淹后，第一时间拨打所投保保险公司的电话进行报案，尽快启动理赔流程。</span></p><p style="line-height:1.75;"><span style="color: rgb(216, 40, 33);"><strong><span leaf="">二、现场勘查与拍照</span></strong></span></p><p style="line-height:1.75;"><span leaf="">保险公司接到报案后会派人到现场勘查，商定损失额度和维修方式。如果理赔人员无法及时赶到，车主可在保障自身安全的前提下，拍下现场全貌及车辆受损情况的照片，作为定损、理赔的依据。</span></p><p style="line-height:1.75;"><span style="color: rgb(216, 40, 33);"><strong><span leaf="">三、联系救援</span></strong></span></p><p style="line-height:1.75;"><span leaf="">可联系保险公司安排救援，也可自行联系专业救援公司到场施救，全程避免强行挪车或点火发动。</span></p></section></section></section><p style="font-size: 15px;letter-spacing: 0.5px;font-family:微软雅黑;"><span leaf=""><br></span></p><section style="font-size: 12px; letter-spacing: 0.544px; outline: 0px; color: rgb(34, 34, 34); line-height: 1.5em; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; color: rgb(0, 0, 0);"><span leaf="">来源｜央广网、中国网、中国经济网、莆田市广电中心</span></span></section><p style="text-align: center; letter-spacing: 0.544px; outline: 0px; color: rgb(34, 34, 34); line-height: 1.5em; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span leaf=""><br></span></p></section></section></section></section></section></section></section></section></section></section></section><p style="display: none;"><span leaf=""><br></span></p></section><p style="display: none;"><mp-style-type data-value="10000"></mp-style-type></p></div><p></p>
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