泡水车如何处理，车险怎么赔？非常有用，建议收藏！
<section style="letter-spacing: 0.578px;text-wrap: wrap;text-align: center;margin-bottom: 8px;" data-mpa-powered-by="yiban.io"><a class="weapp_image_link js_weapp_entry" data-miniprogram-appid="wx9da88f4c7e530148" data-miniprogram-path="pages/index?station_id=ff808081893b9f5b018948c4603235ee" data-miniprogram-nickname="发现周边" href data-miniprogram-type="image" data-miniprogram-imageurl="https://www.fqlook.cn/plugin.php?id=wcn_editor:wx_img&url=http://mmbiz.qpic.cn/sz_mmbiz_png/tp6KEAv3S3aMZGsgGEVTXOdw3eAXnGEomkp50aBGeaib3iaMIXucVXYrG3icbxtoiboLuInkq3bQWGZgVaqLIPhDbw/0?wx_fmt=png" data-miniprogram-servicetype=""></a><br/></section><p></p><section data-role="outer" label="edit by 135editor" style="outline: 0px;"><section style="outline: 0px;background-color: rgb(123, 191, 224);font-size: 16px;"><section style="outline: 0px;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;"><section data-lazy-bgimg="https://www.fqlook.cn/plugin.php?id=wcn_editor:wx_img&url=https://mmbiz.qpic.cn/sz_mmbiz_jpg/SXj99R6JBlvibibgdnZkDCqYjfEkeiag1NstyRFzPC8xFSHxDl9yXrmbfLTHZUk54CrjHUjCicbA9YKnUfucPibLZXw/640?wx_fmt=jpeg" data-fail="0" style="outline: 0px;display: inline-block;width: 677px;vertical-align: top;align-self: flex-start;flex: 0 0 auto;background-position: 0% 0%;background-repeat: repeat-y;background-size: 100%;background-attachment: scroll;background-image: url(https://www.fqlook.cn/plugin.php?id=wcn_editor:wx_img&url=https://mmbiz.qpic.cn/sz_mmbiz_jpg/SXj99R6JBlvibibgdnZkDCqYjfEkeiag1NstyRFzPC8xFSHxDl9yXrmbfLTHZUk54CrjHUjCicbA9YKnUfucPibLZXw/640?wx_fmt=jpeg);"><section style="margin-top: 10px;margin-bottom: 10px;outline: 0px;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;"><section style="padding-right: 6px;outline: 0px;display: inline-block;vertical-align: bottom;width: 34px;flex: 0 0 auto;height: auto;align-self: flex-end;"><section style="outline: 0px;line-height: 0;transform: translate3d(5px, 0px, 0px);"><section style="outline: 0px;vertical-align: middle;display: inline-block;line-height: 0;width: 26.0312px;height: auto;"><br/></section><section style="outline: 0px;vertical-align: middle;display: inline-block;line-height: 0;width: 26.0312px;height: auto;"></section></section></section><section style="padding-left: 9px;outline: 0px;display: inline-block;vertical-align: bottom;width: auto;flex: 100 100 0%;height: auto;align-self: flex-end;"><section style="margin-top: 0.5em;margin-bottom: 0.5em;outline: 0px;"><section style="outline: 0px;border-top: 10px dashed rgb(194, 224, 246);"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section></section></section><section style="margin-bottom: 10px;outline: 0px;text-align: right;justify-content: flex-end;display: flex;flex-flow: row nowrap;"><section style="padding: 30px;outline: 0px;max-width: 88%;display: inline-block;width: 595.75px;vertical-align: top;align-self: flex-start;flex: 0 0 auto;background-color: rgba(194, 224, 246, 0.16);height: auto;"><section style="outline: 0px;text-align: justify;color: rgb(255, 255, 255);"><section class="channels_iframe_wrp wxw_wechannel_card_not_horizontal"><mp-common-videosnap class="js_uneditable custom_select_card channels_iframe videosnap_video_iframe" data-pluginname="mpvideosnap" data-url="https://findermp.video.qq.com/251/20304/stodownload?encfilekey=rjD5jyTuFrIpZ2ibE8T7YmwgiahniaXswqziagiaibECkpxTw9X5ca3Gzgf2liahumxG1pssTnuYmfsBPzicbiaRkS238dRWok8N2Jz36TFib2JuibED20Gts2ICWW06w&bizid=1023&dotrans=0&hy=SH&idx=1&m=&scene=0&token=AxricY7RBHdWo84cQalmC5vxicp3xyjpTaGwTJ7zqEbkNZWKE6pxOFLkm2MUyVTFvtbUmlUjrZPQg" data-headimgurl="http://wx.qlogo.cn/finderhead/ial09aibYKTe6wjmEyMNwJuOQQIst1QJcPGjsmAVD4RXg/0" data-username="v2_060000231003b20faec8cae3881dc1d2c900ef34b077ddb7121c11c72f23c9d836d5d4bb6960@finder" data-nickname="看福清" data-desc="实拍！这几天福清的#泡水车 会不会是历史最多？#看福清 #同城 #现场实拍" data-nonceid="5686773199787078859" data-type="video" data-mediatype="undefined" data-authiconurl="https://dldir1v6.qq.com/weixin/checkresupdate/icons_filled_channels_authentication_enterprise_a2658032368245639e666fb11533a600.png" data-from="new" data-width="1080" data-height="1920" data-id="export/UzFfAgtgekIEAQAAAAAACLwQI1aJdwAAAAstQy6ubaLX4KHWvLEZgBPE-6J4bj12CvmGzNPgMIux1eMTtIcNWvx8jwiDcRsc" data-isdisabled="0" data-errortips=""></mp-common-videosnap></section><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">如果遇到极端天气，当自己的爱车不幸进水后，怎么区分泡水严重程度？泡水后应该如何处理？保险应该怎么理赔？<br style="outline: 0px;"/></span></p><p style="outline: 0px;"><br style="outline: 0px;"/></p><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">这些问题或许大多数车主都不是特别了解，本期我们就具体来聊聊，非常有用，建议收藏！</span></p></section></section></section><section style="outline: 0px;text-align: center;font-size: 36px;color: rgba(255, 255, 255, 0.42);letter-spacing: 2px;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 32px;"><strong style="outline: 0px;">PART 01</strong></span></p></section><section style="margin-bottom: 15px;outline: 0px;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;"><section style="margin-right: 10px;margin-left: 10px;padding: 9px;outline: 0px;display: inline-block;width: auto;vertical-align: middle;background-color: rgb(255, 255, 255);min-width: 10%;flex: 0 0 auto;height: auto;align-self: center;border-radius: 5px;overflow: hidden;"><section style="padding-right: 15px;padding-left: 15px;outline: 0px;font-size: 15px;color: rgb(83, 130, 161);text-align: justify;letter-spacing: 2px;line-height: 1;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;">如何界定汽车泡水严重性？</strong></span></p></section></section></section><section style="outline: 0px;display: flex;width: 677px;flex-flow: column nowrap;"><section style="outline: 0px;z-index: 1;"><section style="margin-bottom: -15px;outline: 0px;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;"><section style="outline: 0px;display: inline-block;vertical-align: top;width: 20px;align-self: flex-start;flex: 0 0 auto;height: auto;background-color: rgb(172, 218, 237);"><section style="outline: 0px;text-align: justify;"><p style="outline: 0px;"><br style="outline: 0px;"/></p></section></section><section style="margin-left: 180px;outline: 0px;display: inline-block;vertical-align: top;width: 20px;align-self: flex-start;flex: 0 0 auto;height: auto;background-color: rgb(172, 218, 237);"><section style="outline: 0px;text-align: justify;"><p style="outline: 0px;"><br style="outline: 0px;"/></p></section></section></section></section></section><section style="outline: 0px;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;"><section style="padding: 30px 15px 15px;outline: 0px;max-width: 90%;display: inline-block;width: 609.297px;vertical-align: top;align-self: flex-start;flex: 0 0 auto;background-color: rgb(255, 255, 255);height: auto;border-style: solid;border-width: 2px;border-color: rgb(172, 218, 237);border-radius: 10px;overflow: hidden;"><section style="margin-top: 15px;margin-bottom: 15px;outline: 0px;justify-content: center;display: flex;flex-flow: row nowrap;"><section style="outline: 0px;max-width: 15%;display: inline-block;vertical-align: middle;width: 86.2812px;flex: 0 0 auto;align-self: center;height: auto;"><section style="outline: 0px;"><section style="outline: 0px;background-color: rgb(123, 191, 224);height: 2px;"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section></section><section style="margin-right: 10px;margin-left: 10px;padding: 9px;outline: 0px;display: inline-block;vertical-align: middle;width: auto;background-color: rgb(123, 191, 224);min-width: 10%;flex: 0 0 auto;height: auto;align-self: center;"><section style="outline: 0px;font-size: 15px;color: rgb(255, 255, 255);text-align: justify;letter-spacing: 2px;line-height: 1;"><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;"><strong style="outline: 0px;">1类泡水车：水只淹到地板</strong></span></p></section></section><section style="outline: 0px;max-width: 15%;display: inline-block;vertical-align: middle;width: 86.2812px;flex: 0 0 auto;align-self: center;height: auto;"><section style="outline: 0px;"><section style="outline: 0px;background-color: rgb(123, 191, 224);height: 2px;"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section></section></section><section style="margin-bottom: 10px;outline: 0px;line-height: 0;"><section style="outline: 0px;vertical-align: middle;display: inline-block;line-height: 0;"></section></section><section style="outline: 0px;text-align: justify;font-size: 15px;letter-spacing: 2px;line-height: 2;"><p style="margin-bottom: 10px;outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">通常情况下，地板只会布置一些线束和少数控制模块，比如车身控制模块（BCM），这些零件维修成本不高，经简单维修后车辆便可以继续使用。</span></p><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">如果只是地板轻微泡水，那么最好马上要拆掉地毯、毛毡垫等附件，清洗后放在室外暴晒或者烘烤，不然容易发霉产生异味。</span></p></section><section style="margin-top: 15px;margin-bottom: 15px;outline: 0px;justify-content: center;display: flex;flex-flow: row nowrap;"><section style="outline: 0px;max-width: 15%;display: inline-block;vertical-align: middle;width: 86.2812px;flex: 0 0 auto;align-self: center;height: auto;"><section style="outline: 0px;"><section style="outline: 0px;background-color: rgb(123, 191, 224);height: 2px;"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section></section><section style="margin-right: 10px;margin-left: 10px;padding: 9px;outline: 0px;display: inline-block;vertical-align: middle;width: auto;background-color: rgb(123, 191, 224);min-width: 10%;flex: 0 0 auto;height: auto;align-self: center;"><section style="outline: 0px;font-size: 15px;color: rgb(255, 255, 255);text-align: justify;letter-spacing: 2px;line-height: 1;"><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;"><strong style="outline: 0px;">2类泡水车：水淹到坐垫</strong></span></p></section></section><section style="outline: 0px;max-width: 15%;display: inline-block;vertical-align: middle;width: 86.2812px;flex: 0 0 auto;align-self: center;height: auto;"><section style="outline: 0px;"><section style="outline: 0px;background-color: rgb(123, 191, 224);height: 2px;"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section></section></section><section style="margin-top: 11px;margin-bottom: 15px;outline: 0px;line-height: 0;"><section style="outline: 0px;vertical-align: middle;display: inline-block;line-height: 0;"></section></section><section style="outline: 0px;text-align: justify;font-size: 15px;letter-spacing: 2px;line-height: 2;"><p style="margin-bottom: 10px;outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">水已淹到坐垫，那就属于第2类泡水车，泡水程度相对比较严重。坐垫位置说高不高说低不低，偏偏很多控制单元以及电器设备都只有这么高。相比第1类泡水车，第2类泡水车维修成本要高很多。</span></p><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">发动机的位置比坐垫高，第2类泡水车用不着拆解发动机维修，最多更换起动机。不过发动机没问题，不代表动力总成没问题，比如干式双离合变速箱的离合器单元进水后会生锈，而故障不会立即表现出来。</span></p></section><section style="margin-top: 15px;margin-bottom: 15px;outline: 0px;justify-content: center;display: flex;flex-flow: row nowrap;"><section style="outline: 0px;max-width: 15%;display: inline-block;vertical-align: middle;width: 86.2812px;flex: 0 0 auto;align-self: center;height: auto;"><section style="outline: 0px;"><section style="outline: 0px;background-color: rgb(123, 191, 224);height: 2px;"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section></section><section style="margin-right: 10px;margin-left: 10px;padding: 9px;outline: 0px;display: inline-block;vertical-align: middle;width: auto;background-color: rgb(123, 191, 224);min-width: 10%;flex: 0 0 auto;height: auto;align-self: center;"><section style="outline: 0px;font-size: 15px;color: rgb(255, 255, 255);text-align: justify;letter-spacing: 2px;line-height: 1;"><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;"><strong style="outline: 0px;">3类泡水车：水淹到仪表盘</strong></span></p></section></section><section style="outline: 0px;max-width: 15%;display: inline-block;vertical-align: middle;width: 86.2812px;flex: 0 0 auto;align-self: center;height: auto;"><section style="outline: 0px;"><section style="outline: 0px;background-color: rgb(123, 191, 224);height: 2px;"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section></section></section><section style="margin-top: 11px;margin-bottom: 15px;outline: 0px;line-height: 0;"><section style="outline: 0px;vertical-align: middle;display: inline-block;line-height: 0;"></section></section><section style="outline: 0px;text-align: justify;font-size: 15px;letter-spacing: 2px;line-height: 2;"><p style="margin-bottom: 10px;outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">当水淹到仪表板后，属于第3类泡水车，再维修意义不大，修起来很贵而且车身瑕疵特别多，隐蔽部位锈迹很严重。</span></p><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">当水覆盖仪表板后，绝大部分的电器设备都被浸泡了，比如仪表盘、中控屏、气囊以及各种控制单元等等，电器设备最怕的就是水，除非全部换新，否则故障不能根治。</span></p></section><section style="margin-top: 15px;margin-bottom: 15px;outline: 0px;justify-content: center;display: flex;flex-flow: row nowrap;"><section style="outline: 0px;max-width: 15%;display: inline-block;vertical-align: middle;width: 86.2812px;flex: 0 0 auto;align-self: center;height: auto;"><section style="outline: 0px;"><section style="outline: 0px;background-color: rgb(123, 191, 224);height: 2px;"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section></section><section style="margin-right: 10px;margin-left: 10px;padding: 9px;outline: 0px;display: inline-block;vertical-align: middle;width: auto;background-color: rgb(123, 191, 224);min-width: 10%;flex: 0 0 auto;height: auto;align-self: center;"><section style="outline: 0px;font-size: 15px;color: rgb(255, 255, 255);text-align: justify;letter-spacing: 2px;line-height: 1;"><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;"><strong style="outline: 0px;">4类泡水车：水已淹过车顶</strong></span></p></section></section><section style="outline: 0px;max-width: 15%;display: inline-block;vertical-align: middle;width: 86.2812px;flex: 0 0 auto;align-self: center;height: auto;"><section style="outline: 0px;"><section style="outline: 0px;background-color: rgb(123, 191, 224);height: 2px;"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section></section></section><section style="margin-top: 11px;margin-bottom: 15px;outline: 0px;line-height: 0;"><section style="outline: 0px;vertical-align: middle;display: inline-block;line-height: 0;"></section></section><section style="outline: 0px;text-align: justify;font-size: 15px;letter-spacing: 2px;line-height: 2;"><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">水淹到车顶后，就属于第4类泡水车，也是最严重的泡水车，这种车基本不会去维修了，因为维修费用比车的残值还要高。</span></p><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;"><br/></span></p><p style="text-align: center;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;text-align: justify;"></span></p></section></section></section><section style="outline: 0px;text-align: justify;"></section><section style="outline: 0px;text-align: center;font-size: 36px;color: rgba(255, 255, 255, 0.42);letter-spacing: 2px;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 32px;"><strong style="outline: 0px;">PART 02</strong></span></p></section><section style="margin-bottom: 15px;outline: 0px;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;"><section style="margin-right: 10px;margin-left: 10px;padding: 9px;outline: 0px;display: inline-block;width: auto;vertical-align: middle;background-color: rgb(255, 255, 255);min-width: 10%;flex: 0 0 auto;height: auto;align-self: center;border-radius: 5px;overflow: hidden;"><section style="padding-right: 15px;padding-left: 15px;outline: 0px;font-size: 15px;color: rgb(83, 130, 161);text-align: justify;letter-spacing: 2px;line-height: 1;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;">泡水车保险如何理赔？</strong></span></p></section></section></section><section style="outline: 0px;display: flex;width: 677px;flex-flow: column nowrap;"><section style="outline: 0px;z-index: 1;"><section style="margin-bottom: -15px;outline: 0px;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;"><section style="outline: 0px;display: inline-block;vertical-align: top;width: 20px;align-self: flex-start;flex: 0 0 auto;height: auto;background-color: rgb(172, 218, 237);"><section style="outline: 0px;text-align: justify;"><p style="outline: 0px;"><br style="outline: 0px;"/></p></section></section><section style="margin-left: 180px;outline: 0px;display: inline-block;vertical-align: top;width: 20px;align-self: flex-start;flex: 0 0 auto;height: auto;background-color: rgb(172, 218, 237);"><section style="outline: 0px;text-align: justify;"><p style="outline: 0px;"><br style="outline: 0px;"/></p></section></section></section></section></section><section style="outline: 0px;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;"><section style="padding: 30px 15px 15px;outline: 0px;max-width: 90%;display: inline-block;width: 609.297px;vertical-align: top;align-self: flex-start;flex: 0 0 auto;background-color: rgb(255, 255, 255);height: auto;border-style: solid;border-width: 2px;border-color: rgb(172, 218, 237);border-radius: 10px;overflow: hidden;"><section style="margin-bottom: 10px;outline: 0px;line-height: 0;"><section style="outline: 0px;vertical-align: middle;display: inline-block;line-height: 0;"></section></section><section style="margin-top: 10px;outline: 0px;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;"><section style="padding: 14px;outline: 0px;display: inline-block;width: 575.297px;vertical-align: top;align-self: flex-start;flex: 0 0 auto;background-color: rgb(123, 191, 224);"><section style="outline: 0px;justify-content: flex-start;display: flex;flex-flow: row nowrap;"><section style="outline: 0px;display: inline-block;vertical-align: middle;width: auto;min-width: 5%;flex: 0 0 auto;height: auto;align-self: center;"><section style="outline: 0px;text-align: center;"><section style="outline: 0px;display: inline-block;width: 29px;height: 29px;vertical-align: top;overflow: hidden;border-radius: 235px;background-color: rgb(255, 255, 255);"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section></section><section style="padding-left: 10px;outline: 0px;display: inline-block;vertical-align: middle;width: auto;align-self: center;flex: 0 0 auto;min-width: 5%;height: auto;"><section style="outline: 0px;text-align: justify;color: rgb(255, 255, 255);font-size: 15px;letter-spacing: 2px;"><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;"><strong style="outline: 0px;">未购买涉水险的情况分析</strong></span></p></section></section></section></section></section><section style="margin-bottom: 10px;outline: 0px;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;"><section style="padding: 15px;outline: 0px;display: inline-block;width: 575.297px;vertical-align: top;align-self: flex-start;flex: 0 0 auto;background-color: rgb(236, 246, 253);"><section style="outline: 0px;text-align: justify;font-size: 15px;letter-spacing: 2px;line-height: 2;"><p style="margin-bottom: 10px;outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">路上开车遇到暴雨车被淹了，没买“涉水险”怎么办？不用担心，2020年车险改革后，“涉水险”已经合并到车损险中，也就说只要买了车损险，车辆泡水保险公司就会赔付。</span></p><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">如果不需要“涉水险”，可以选择“附加发动机进水损坏除外特约险”，意思就是把车损险里面“涉水险”取消，这样车损险价格会便宜一些。</span></p></section></section></section><section style="margin-top: 10px;outline: 0px;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;"><section style="padding: 14px;outline: 0px;display: inline-block;width: 575.297px;vertical-align: top;align-self: flex-start;flex: 0 0 auto;background-color: rgb(123, 191, 224);"><section style="outline: 0px;justify-content: flex-start;display: flex;flex-flow: row nowrap;"><section style="outline: 0px;display: inline-block;vertical-align: middle;width: auto;min-width: 5%;flex: 0 0 auto;height: auto;align-self: center;"><section style="outline: 0px;text-align: center;"><section style="outline: 0px;display: inline-block;width: 29px;height: 29px;vertical-align: top;overflow: hidden;border-radius: 235px;background-color: rgb(255, 255, 255);"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section></section><section style="padding-left: 10px;outline: 0px;display: inline-block;vertical-align: middle;width: auto;align-self: center;flex: 0 0 auto;min-width: 5%;height: auto;"><section style="outline: 0px;text-align: justify;color: rgb(255, 255, 255);font-size: 15px;letter-spacing: 2px;"><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;"><strong style="outline: 0px;">涉水险的理赔范围分析</strong></span></p></section></section></section></section></section><section style="margin-bottom: 0px;"><section style="margin-bottom: 10px;outline: 0px;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;"><section style="padding: 15px;outline: 0px;display: inline-block;width: 575.297px;vertical-align: top;align-self: flex-start;flex: 0 0 auto;background-color: rgb(236, 246, 253);"><section style="outline: 0px;text-align: justify;font-size: 15px;letter-spacing: 2px;line-height: 2;"><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">泡水车赔付额度要根据保险公司勘验定损结果来确定，前面我们聊过泡水车的定义，如果是第1类泡水车，水只淹到地板上，那么保险公司可能只会赔偿维修费用，而不是根据车辆折旧价格全额赔付。</span></p><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;"><br/></span></p><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">如果是第3类泡水车，水淹到了仪表板，那么维修费用加上这辆车的残值，可能大于当初投保时，保险公司给与车辆的折旧加价，也就是车损险保额，这时候保险公司就认为不必要修了，直接全额赔付。</span></p></section></section></section></section></section></section><section style="outline: 0px;text-align: justify;"></section><section style="outline: 0px;text-align: center;font-size: 36px;color: rgba(255, 255, 255, 0.42);letter-spacing: 2px;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 32px;"><strong style="outline: 0px;">PART 03</strong></span></p></section><section style="margin-bottom: 15px;outline: 0px;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;"><section style="margin-right: 10px;margin-left: 10px;padding: 9px;outline: 0px;display: inline-block;width: auto;vertical-align: middle;background-color: rgb(255, 255, 255);min-width: 10%;flex: 0 0 auto;height: auto;align-self: center;border-radius: 5px;overflow: hidden;"><section style="padding-right: 15px;padding-left: 15px;outline: 0px;font-size: 15px;color: rgb(83, 130, 161);text-align: justify;letter-spacing: 2px;line-height: 1;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;">自然灾害等造成的损失，保险赔不赔？</strong></span></p></section></section></section><section style="outline: 0px;display: flex;width: 677px;flex-flow: column nowrap;"><section style="outline: 0px;z-index: 1;"><section style="margin-bottom: -15px;outline: 0px;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;"><section style="outline: 0px;display: inline-block;vertical-align: top;width: 20px;align-self: flex-start;flex: 0 0 auto;height: auto;background-color: rgb(172, 218, 237);"><section style="outline: 0px;text-align: justify;"><p style="outline: 0px;"><br style="outline: 0px;"/></p></section></section><section style="margin-left: 180px;outline: 0px;display: inline-block;vertical-align: top;width: 20px;align-self: flex-start;flex: 0 0 auto;height: auto;background-color: rgb(172, 218, 237);"><section style="outline: 0px;text-align: justify;"><p style="outline: 0px;"><br style="outline: 0px;"/></p></section></section></section></section></section><section style="outline: 0px;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;"><section style="padding: 30px 15px 15px;outline: 0px;max-width: 90%;display: inline-block;width: 609.297px;vertical-align: top;align-self: flex-start;flex: 0 0 auto;background-color: rgb(255, 255, 255);height: auto;border-style: solid;border-width: 2px;border-color: rgb(172, 218, 237);border-radius: 10px;overflow: hidden;"><section style="margin-bottom: 10px;outline: 0px;line-height: 0;"><section style="outline: 0px;vertical-align: middle;display: inline-block;line-height: 0;"></section></section><section style="margin-top: 10px;margin-bottom: 10px;outline: 0px;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;"><section style="padding: 15px;outline: 0px;display: inline-block;width: 575.297px;vertical-align: top;align-self: flex-start;flex: 0 0 auto;background-color: rgb(236, 246, 253);"><section style="outline: 0px;text-align: justify;line-height: 2;letter-spacing: 2px;"><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">假如暴雨天车没有泡水，但是被路边的树、电线杆、广告牌砸到，保险会赔付吗？答案是肯定的，这类事故也属于自然灾害，保险公司勘验定损后会赔付。</span></p><p style="outline: 0px;"><br style="outline: 0px;"/></p><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">车险改革前，地震及其次生灾害等是免责条款，而车险改革后，地震也纳入到了自然灾害中，基本所有自然灾害都会赔付。</span></p></section></section></section><section style="outline: 0px;text-align: justify;"><p style="outline: 0px;"><br style="outline: 0px;"/></p></section><section style="margin-top: 11px;margin-bottom: 15px;outline: 0px;line-height: 0;"><section style="outline: 0px;vertical-align: middle;display: inline-block;line-height: 0;"></section></section><section style="margin-top: 10px;margin-bottom: 10px;outline: 0px;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;"><section style="padding: 15px;outline: 0px;display: inline-block;width: 575.297px;vertical-align: top;align-self: flex-start;flex: 0 0 auto;background-color: rgb(236, 246, 253);"><section style="outline: 0px;text-align: center;line-height: 2;letter-spacing: 2px;"><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;"><strong style="outline: 0px;">车辆在停放状态下被淹：</strong><br style="outline: 0px;"/></span></p><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">有车损险就可以正常赔付<br style="outline: 0px;"/><strong style="outline: 0px;">车辆在行驶中被淹：</strong><br style="outline: 0px;"/>2020年9月19日车险改革前购买的车险，其中含有车损险和涉水险的保险可以赔付；</span></p><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">2020年9月19日后只要购买车损险就可以正常赔付。<br style="outline: 0px;"/><span style="font-size: 15px;outline: 0px;color: rgb(83, 130, 161);"><strong style="outline: 0px;">注：熄火后二次点火保险不理赔</strong></span></span></p></section></section></section></section></section><section style="outline: 0px;text-align: justify;"></section><section style="outline: 0px;text-align: center;font-size: 36px;color: rgba(255, 255, 255, 0.42);letter-spacing: 2px;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 32px;"><strong style="outline: 0px;">PART 04</strong></span></p></section><section style="margin-bottom: 15px;outline: 0px;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;"><section style="margin-right: 10px;margin-left: 10px;padding: 9px;outline: 0px;display: inline-block;width: auto;vertical-align: middle;background-color: rgb(255, 255, 255);min-width: 10%;flex: 0 0 auto;height: auto;align-self: center;border-radius: 5px;overflow: hidden;"><section style="padding-right: 15px;padding-left: 15px;outline: 0px;font-size: 15px;color: rgb(83, 130, 161);text-align: justify;letter-spacing: 2px;line-height: 1;"><p style="outline: 0px;"><span style="font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;"><strong style="outline: 0px;">电动车泡水有影响吗？</strong></span></p></section></section></section><section style="outline: 0px;display: flex;width: 677px;flex-flow: column nowrap;"><section style="outline: 0px;z-index: 1;"><section style="margin-bottom: -15px;outline: 0px;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;"><section style="outline: 0px;display: inline-block;vertical-align: top;width: 20px;align-self: flex-start;flex: 0 0 auto;height: auto;background-color: rgb(172, 218, 237);"><section style="outline: 0px;text-align: justify;"><p style="outline: 0px;"><br style="outline: 0px;"/></p></section></section><section style="margin-left: 180px;outline: 0px;display: inline-block;vertical-align: top;width: 20px;align-self: flex-start;flex: 0 0 auto;height: auto;background-color: rgb(172, 218, 237);"><section style="outline: 0px;text-align: justify;"><p style="outline: 0px;"><br style="outline: 0px;"/></p></section></section></section></section></section><section style="outline: 0px;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;"><section style="padding: 30px 15px 15px;outline: 0px;max-width: 90%;display: inline-block;width: 609.297px;vertical-align: top;align-self: flex-start;flex: 0 0 auto;background-color: rgb(255, 255, 255);height: auto;border-style: solid;border-width: 2px;border-color: rgb(172, 218, 237);border-radius: 10px;overflow: hidden;"><section style="margin-bottom: 10px;outline: 0px;line-height: 0;"><section style="outline: 0px;vertical-align: middle;display: inline-block;line-height: 0;"></section></section><section style="margin-top: 10px;margin-bottom: 10px;outline: 0px;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;"><section style="padding: 15px;outline: 0px;display: inline-block;width: 575.297px;vertical-align: top;align-self: flex-start;flex: 0 0 auto;background-color: rgb(236, 246, 253);"><section style="outline: 0px;text-align: justify;line-height: 2;letter-spacing: 2px;"><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">众所周知，电动车涉水能力很强，电机、电控、电池都做了防水防尘处理，这是不是意味着电动车不怕泡水？答案是否定的。</span></p><p style="outline: 0px;"><br style="outline: 0px;"/></p><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">一般电动车的电池都满足相应的防水防尘等级，以IP67为例，电池包在1m深的水下，浸置0.5h，电池包不会进水。不过，浸置时间超过0.5h，或者水深超过1m，就没法保证防水效果了。</span></p></section></section></section><section style="margin-top: 11px;margin-bottom: 15px;outline: 0px;line-height: 0;"><section style="outline: 0px;vertical-align: middle;display: inline-block;line-height: 0;"></section></section><section style="margin-top: 10px;margin-bottom: 10px;outline: 0px;text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;"><section style="padding: 15px;outline: 0px;display: inline-block;width: 575.297px;vertical-align: top;align-self: flex-start;flex: 0 0 auto;background-color: rgb(236, 246, 253);"><section style="outline: 0px;text-align: justify;line-height: 2;letter-spacing: 2px;"><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">电动车工作电压很高，如果漏电会造成较大的危险。泡水对电动车来说存在很多不确定的风险，对待电动车泡水这个事情上，车企处理方式也比较严格。</span></p><p style="outline: 0px;"><br style="outline: 0px;"/></p><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">按照一些车企的要求，电动车泡水后，应先停放48小时。如果没有冒烟、高温、电火花、焦糊味等情况，才能将车运回车间维修，并由经过专业培训且持有低压电工操作证的维修人员进行处理。</span></p><p style="outline: 0px;"><br style="outline: 0px;"/></p><p style="outline: 0px;"><span style="font-size: 15px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">简单的说，电动车泡水后不仅不能开，还要先停一段时间，看看电池的反应。</span></p></section></section></section></section></section></section></section></section></section><section style="margin-top: 16px;margin-bottom: 16px;letter-spacing: 0.578px;white-space: normal;"><section powered-by="xiumi.us" style="margin-top: 10px;margin-bottom: 10px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 16px;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);display: flex;flex-flow: row nowrap;text-align: left;justify-content: flex-start;"><section style="outline: 0px;display: inline-block;vertical-align: bottom;width: auto;align-self: flex-end;flex: 100 100 0%;height: auto;"><section powered-by="xiumi.us" style="margin-bottom: 4px;outline: 0px;"><section style="outline: 0px;background-color: rgb(61, 170, 214);height: 1px;"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section></section><section class="mp_profile_iframe_wrp" style="letter-spacing: 0.578px;white-space: normal;"><mp-common-profile class="js_uneditable custom_select_card mp_profile_iframe" data-pluginname="mpprofile" data-id="MjM5MjYxMzE0Mw==" data-headimg="https://www.fqlook.cn/plugin.php?id=wcn_editor:wx_img&url=http://mmbiz.qpic.cn/mmbiz_png/tp6KEAv3S3YcavX8ZLWHx76icWtT38XA7wicXaYKA2R2nvLoDzoia0F6iajYRgV2r5Q0zRib4iaYYyEIaR3wyDqooiajA/0?wx_fmt=png" data-nickname="看福清" data-alias="kanfuqing" data-signature="与全球300万福清同胞一同探索福清！" data-from="2" data-is_biz_ban="0"></mp-common-profile></section><section style="margin-right: 8px;margin-bottom: 0px;margin-left: 8px;letter-spacing: 0.578px;white-space: normal;"><section style="text-align: left;line-height: normal;"><span style="color: rgb(136, 136, 136);font-family: Optima-Regular, PingFangTC-light;font-size: 12px;letter-spacing: 2px;background-color: rgb(255, 255, 255);">来源：</span><span style="color: rgb(136, 136, 136);font-family: Optima-Regular, PingFangTC-light;font-size: 12px;letter-spacing: 2px;background-color: rgb(255, 255, 255);">武威大靖高速交警</span></section></section><section style="margin-right: 0.5em;margin-bottom: 0px;margin-left: 0.5em;white-space: normal;min-height: 1em;font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: left;line-height: normal;"><br/></section><p></p><p style="display: none;"><mp-style-type data-value="3"></mp-style-type></p><p><br/></p><link rel="stylesheet" href="//www.fqlook.cn/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_IxR" id="wcn_editor_css"/> 希望以后不要再下这么大的雨 知悉了收到了。 这个真有用，顶起来 这几天福清交通极顺畅{:5_251:} 收藏了！！！！！！
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