涉水險的賠償范圍

　　“涉水險”是特別為發動機提供保障的險種，汽車的變速器、其(qi)他電子系(xi)統以及汽車(che)(che)(che)內(nei)飾等均不在涉水(shui)險(xian)(xian)承保(bao)范(fan)圍當(dang)中。然(ran)而，一旦車(che)(che)(che)輛涉水(shui)，汽車(che)(che)(che)的各(ge)個部(bu)位都(dou)有可能因遭受水(shui)淹而產生損(sun)(sun)(sun)失(shi)。除了(le)“涉水(shui)險(xian)(xian)”負(fu)責保(bao)障的發動機損(sun)(sun)(sun)失(shi)外，汽車(che)(che)(che)的其(qi)他部(bu)位該如何(he)通(tong)過保(bao)險(xian)(xian)得到保(bao)障呢？其(qi)實，作為(wei)“涉水(shui)險(xian)(xian)”主(zhu)險(xian)(xian)的車(che)(che)(che)損(sun)(sun)(sun)險(xian)(xian)已(yi)經(jing)涵蓋(gai)了(le)因涉水(shui)導(dao)致的汽車(che)(che)(che)內(nei)飾及電子系(xi)統等損(sun)(sun)(sun)失(shi)。除此之外，大(da)風(feng)刮(gua)倒樹木(mu)、廣告(gao)牌等造成的車(che)(che)(che)輛損(sun)(sun)(sun)失(shi)，以及冰雹等自然(ran)災(zai)害造成的汽車(che)(che)(che)損(sun)(sun)(sun)壞，也都(dou)在車(che)(che)(che)損(sun)(sun)(sun)險(xian)(xian)的承保(bao)范(fan)圍內(nei)。

　　如何獲得全額賠付

　　根據(ju)“涉(she)(she)(she)水(shui)險(xian)(xian)(xian)(xian)(xian)(xian)”保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)條(tiao)款，一(yi)(yi)旦(dan)發生保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)事故，保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人在出險(xian)(xian)(xian)(xian)(xian)(xian)當(dang)時的(de)(de)(de)(de)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)車(che)輛(liang)實際(ji)價值范圍內負責賠(pei)(pei)(pei)償發動機的(de)(de)(de)(de)修復費(fei)(fei)用，但最高以車(che)輛(liang)損失險(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)金(jin)額為(wei)限，超出部分免(mian)(mian)責。需要(yao)提醒車(che)主的(de)(de)(de)(de)是，“涉(she)(she)(she)水(shui)險(xian)(xian)(xian)(xian)(xian)(xian)”一(yi)(yi)般都有一(yi)(yi)定(ding)比(bi)例(li)的(de)(de)(de)(de)絕(jue)對(dui)免(mian)(mian)賠(pei)(pei)(pei)率，出險(xian)(xian)(xian)(xian)(xian)(xian)后如(ru)果要(yao)得到全額賠(pei)(pei)(pei)付，在購(gou)買(mai)“涉(she)(she)(she)水(shui)險(xian)(xian)(xian)(xian)(xian)(xian)”時需要(yao)同(tong)時購(gou)買(mai)“不(bu)計(ji)(ji)免(mian)(mian)賠(pei)(pei)(pei)險(xian)(xian)(xian)(xian)(xian)(xian)”。“附加(jia)險(xian)(xian)(xian)(xian)(xian)(xian)不(bu)計(ji)(ji)免(mian)(mian)賠(pei)(pei)(pei)險(xian)(xian)(xian)(xian)(xian)(xian)”作為(wei)車(che)險(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)附加(jia)險(xian)(xian)(xian)(xian)(xian)(xian)之(zhi)一(yi)(yi)，購(gou)買(mai)后除(chu)(chu)了可以保(bao)(bao)障“涉(she)(she)(she)水(shui)險(xian)(xian)(xian)(xian)(xian)(xian)”外，其他附加(jia)險(xian)(xian)(xian)(xian)(xian)(xian)也可以得到不(bu)計(ji)(ji)免(mian)(mian)賠(pei)(pei)(pei)的(de)(de)(de)(de)保(bao)(bao)障。記者(zhe)通過平安產險(xian)(xian)(xian)(xian)(xian)(xian)官方微信微門店進行(xing)了“涉(she)(she)(she)水(shui)險(xian)(xian)(xian)(xian)(xian)(xian)”保(bao)(bao)費(fei)(fei)測(ce)算，價值10萬(wan)元左右的(de)(de)(de)(de)汽車(che)，投保(bao)(bao)“涉(she)(she)(she)水(shui)險(xian)(xian)(xian)(xian)(xian)(xian)”的(de)(de)(de)(de)價格在50-60元，不(bu)計(ji)(ji)免(mian)(mian)賠(pei)(pei)(pei)險(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)保(bao)(bao)費(fei)(fei)只需要(yao)10-20元。舉例(li)來說，根據(ju)平安產險(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)條(tiao)款，“涉(she)(she)(she)水(shui)險(xian)(xian)(xian)(xian)(xian)(xian)”有20%的(de)(de)(de)(de)絕(jue)對(dui)免(mian)(mian)賠(pei)(pei)(pei)額。正常(chang)情況(kuang)下(xia)，如(ru)果上述投保(bao)(bao)車(che)輛(liang)發生2萬(wan)元的(de)(de)(de)(de)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)事故，保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)公司(si)將扣除(chu)(chu)4000元的(de)(de)(de)(de)絕(jue)對(dui)免(mian)(mian)賠(pei)(pei)(pei)進行(xing)賠(pei)(pei)(pei)款支付，而如(ru)果投保(bao)(bao)了不(bu)計(ji)(ji)免(mian)(mian)賠(pei)(pei)(pei)險(xian)(xian)(xian)(xian)(xian)(xian)，只花費(fei)(fei)10-20元就(jiu)可獲(huo)得全額賠(pei)(pei)(pei)付，因此消費(fei)(fei)者(zhe)在購(gou)買(mai)“涉(she)(she)(she)水(shui)險(xian)(xian)(xian)(xian)(xian)(xian)”時應多加(jia)留意。

　　“涉水”理賠誤區

根據保(bao)險(xian)條款，車(che)輛(liang)涉(she)水行(xing)駛(shi)或(huo)遭(zao)受水淹導致的(de)(de)發動機(ji)損壞，都屬于“涉(she)水險(xian)”的(de)(de)賠(pei)償范圍(wei)，但需注意涉(she)水行(xing)駛(shi)中如(ru)遇熄火，應避免(mian)再次啟動車(che)輛(liang)，以免(mian)在理賠(pei)時(shi)難以認定理賠(pei)責任。如(ru)果(guo)保(bao)險(xian)公司(si)不(bu)能及時(shi)趕到現場救援，建議車(che)主尋找(zhao)救援公司(si)或(huo)汽修廠等單位進行(xing)救援，合理的(de)(de)施救費用，保(bao)險(xian)公司(si)是(shi)可以進行(xing)支付的(de)(de)。此外，如(ru)果(guo)不(bu)是(shi)因暴雨導致的(de)(de)車(che)輛(liang)涉(she)水，車(che)輛(liang)內飾部分及電子系(xi)統等車(che)輛(liang)損失，是(shi)不(bu)屬于“車(che)損險(xian)”理賠(pei)責任的(de)(de)，因此非(fei)暴雨天(tian)氣如(ru)遇積水路段，車(che)主應盡量繞行(xing)，避免(mian)車(che)輛(liang)出現涉(she)水事故。