The lawyer named ways to get insurance payments due to a flooded car.

Recent days have brought Muscovites not only the long-awaited warmth, but also heavy rains that have led to serious flooding in many areas. Dozens, if not hundreds of cars were damaged by the elements. On July 22, Alexander Khaminsky, head of the Law Enforcement Center in Moscow and the Moscow Region, told Izvestia what rights the owners of the cars had.

"The main question is: is flooding an insured event? If your car is insured under a hard hat, then the answer in the vast majority of cases is yes. CASCO contracts, as a rule, explicitly include natural disasters, such as floods, floods or heavy rain, in the list of insurance events. It is important to understand that the CTP policy does not provide for payments in such situations, as it only covers damage caused to third parties in an accident," Khaminsky recalled.

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He noted that receiving compensation in this case requires the owner to act promptly and correctly. First, it is necessary to record the circumstances of the incident — to photograph or videotape your flooded vehicle.

"Capture the water level, general appearance and damage. These materials will be key evidence," the specialist suggested.

In addition, you should apply to the nearest police department. It is necessary to explain the situation and request the departure of an employee to draw up an incident report. Although traffic police are usually called in an accident, in the case of a single event, including damage to a car by the elements without a collision, this is within the competence of the precinct or duty squad. In this case, the protocol drawn up by the police will be an official document confirming the fact and circumstances of the incident.

It is also important to pay attention to whether there are surveillance cameras nearby (houses, shops, city ones). If so, you can contact the data storage center with a request to save records for an appropriate period of time before an official request from the police or insurance company.

"If your CASCO contract provides for calling an emergency commissioner, do so immediately according to the instructions in the policy. It will fix the damage in place. Even if there is no such clause in the contract, inform your insurance company about the occurrence of the insured event anyway. Do it as specified in the contract and follow their further instructions on paperwork," Khaminsky recommended.

He warned that the paperwork should not be delayed. Strict adherence to these steps will significantly increase the chances of prompt and fair compensation for damage caused by bad weather, the expert concluded.

Earlier, on June 25, experts explained the low car prices in China compared to Russia. After the car is imported into the Russian Federation for sale, its cost increases significantly, as it includes transportation, logistics, insurance, recycling, customs and VAT.