<p class="MsoNormal" style="text-indent:24njpt;mso-char-indent-count:2nj;
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font-family:宋体">此次台风&ි;凤凰&ි;过境，虽然只是打了个擦边球，但是一些私家车因为防护不周，也让爱车遭受水泡、划伤、玻璃破碎等伤害，台风中受损的车辆如何找保险公司理赔？<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height:22njpt;mso-line-height-rule:exactly"><span lang="EN-US" style="font-size:12njpt;font-family:宋体">&ිnbsp;&ිnbsp;&ිnbsp; </span><span style="font-size:12njpt;
font-family:宋体">暴雨中车辆常遇到的几种情况：涉水、水泡、玻璃破碎、划伤、砸伤，这些状况保险公司如何才能理赔？<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height:22njpt;mso-line-height-rule:exactly"><span lang="EN-US" style="font-size:12njpt;font-family:宋体">&ිnbsp;&ිnbsp;&ිnbsp; </span><strong><span style="font-size:12njpt;font-family:宋体;color:blue">一、购买涉水险才能理赔：<span lang="EN-US"><o:p></o:p></span></span></strong></p>
<p class="MsoNormal" style="line-height:22njpt;mso-line-height-rule:exactly"><span lang="EN-US" style="font-size:12njpt;font-family:宋体">&ිnbsp;&ිnbsp;&ිnbsp; </span><span style="font-size:12njpt;
font-family:宋体">车辆涉水时熄火，再次打火就叫二次打火，二次打火对发动机造成的损伤很大，维修一次发动机费用少则<span lang="EN-US">2</span>至<span lang="EN-US">3</span>万多则十多万，所以<strong><span style="color:red">切忌二次打火</span></strong>。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height:22njpt;mso-line-height-rule:exactly"><span lang="EN-US" style="font-size:12njpt;font-family:宋体">&ිnbsp;&ිnbsp;&ිnbsp; </span><span style="font-size:12njpt;
font-family:宋体">车主只有<strong><span style="color:#FF6600">单独购买涉水险</span></strong>，那么正常行驶造成的发动机损伤保险公司才赔付。私家车买的车损险不含二次打火造成发动机损害赔付。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height:22njpt;mso-line-height-rule:exactly"><span lang="EN-US" style="font-size:12njpt;font-family:宋体">&ිnbsp;&ිnbsp;&ිnbsp; </span><span style="font-size:12njpt;
font-family:宋体">发动机特别损失险，俗称涉水险。其中涉水险的适用范围较小，一般在由于正常行驶状态下发动机进水所产生的各种费用，前提是发动机进水后一定不要再尝试发动车辆。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height:22njpt;mso-line-height-rule:exactly"><span lang="EN-US" style="font-size:12njpt;font-family:宋体">&ිnbsp;&ිnbsp;&ිnbsp; </span><span style="font-size:12njpt;
font-family:宋体">投保涉水险，以一辆总价<span lang="EN-US">10</span>万元的车为例，每年投保涉水险的费用在<span lang="EN-US">80</span>元至<span lang="EN-US">100</span>元之间，建议投保。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height:22njpt;mso-line-height-rule:exactly"><span lang="EN-US" style="font-size:12njpt;font-family:宋体">&ිnbsp;&ිnbsp;&ිnbsp; </span><strong><span style="font-size:12njpt;font-family:宋体;color:blue">二、车辆泡水用车主买的车损险赔付<span lang="EN-US"><o:p></o:p></span></span></strong></p>
<p class="MsoNormal" style="line-height:22njpt;mso-line-height-rule:exactly"><span lang="EN-US" style="font-size:12njpt;font-family:宋体">&ිnbsp;&ිnbsp;&ිnbsp; </span><span style="font-size:12njpt;
font-family:宋体">暴雨造成车辆被水浸泡了，只要发动机没进水，只是更换零件、修理电路等，都属于车损险的保障范围。即便是暴雨将整个车身淹没，造成汽车全损，保险公司也可以按照<strong><span style="color:#FF6600">全损赔偿。</span></strong><span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height:22njpt;mso-line-height-rule:exactly"><span lang="EN-US" style="font-size:12njpt;font-family:宋体">&ිnbsp;&ිnbsp;&ිnbsp; </span><span style="font-size:12njpt;
font-family:宋体">海南轩辕租车公司小编提醒：车进水以后，首先停在原地，然后拨打保险公司电话报案。要保护现场，保留相关证据，<span lang="EN-US">48</span>小时内正式报案，同样<strong><span style="color:red">切忌二次打火</span></strong>，不然也得不到赔偿。<span lang="EN-US"><o:p></o:p></span></span></p>
<p class="MsoNormal" style="line-height:22njpt;mso-line-height-rule:exactly"><span lang="EN-US" style="font-size:12njpt;font-family:宋体">&ිnbsp;&ිnbsp;&ිnbsp; </span><strong><span style="font-size:12njpt;font-family:宋体;color:blue">三、购买玻璃单独破碎险保险公司才赔付<span lang="EN-US"><o:p></o:p></span></span></strong></p>
<p class="MsoNormal" style="line-height:22njpt;mso-line-height-rule:exactly"><span lang="EN-US" style="font-size:12njpt;font-family:宋体">&ිnbsp;&ිnbsp;&ිnbsp; </span><span style="font-size:12njpt;
font-family:宋体">台风和暴雨天气，车辆停放被杂物击碎玻璃时，而车身无损的时候，保险公司只要在车主购买<strong><span style="color:#FF6600">单独玻璃破碎险</span></strong>才赔付。<span lang="EN-US"><o:p></o:p></span></span></p>
<span style="font-size:12njpt;font-family:宋体;mso-bidi-font-family:&ිquot;Times New Roman&ිquot;;
mso-font-kerning:1njpt;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;
mso-bidi-language:AR-SA">&ිnbsp; &ිnbsp; 若仅仅是挡风玻璃受损，且车主没有单独投保玻璃单独破损险，将得不到保险公司理赔。</span><div style="text-align: center; "><span style="font-size:12njpt;font-family:宋体;mso-bidi-font-family:&ිquot;Times New Roman&ිquot;;
mso-font-kerning:1njpt;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;
mso-bidi-language:AR-SA"><img src="/UploadfilesǗc6f6506c7f81178b70101.jpg" border="0" alt="" /><br /></span></div>