My car was parked on the beach and it was flooded after high tide. The insurance company refused to pay for it. Who do you think is responsible for this situation?
According to reports, recently, in Ningbo, Zhejiang, because the car was damaged after being flooded by the tide, the insurance company refused to pay, and Mr. Li sued the Ninghai court.
On the day of the incident, Mr. Li parked his car near the shipyard before going fishing, but when he came back, he found that the car was submerged due to the rising tide of the sea.According to the assessment by the assessment agency, the car damage caused by the accident was 61,700 yuan, and Mr. Li paid an assessment fee of 3,200 yuan.
Mr. Li applied for a claim to the insurance company, but the insurance company said that the tide was not covered by insurance and refused to compensate. Mr. Li sued the court and asked the insurance company to pay compensation and bear the assessment fee.
The insurance company responded that Mr. Li had a certain negligence in parking his car on the beach, and that the tide was a natural phenomenon, not a natural disaster, and could not be compensated.
Mr. Li argued that, as a nearby resident, plus his life experience judgment, the parking location would not be flooded by the tide. However, the seawater here rose to such a high level that day, far beyond what I could have foreseen, so this was a natural disaster, and the insurance company should compensate.
The court held that,The evidence provided by Mr. Li could only prove that the vehicle involved had been submerged by the tide, but failed to provide evidence to prove that the high tide when the vehicle was submerged in the sea exceeded the original regularity and was identified as a natural disaster.
Therefore, the vehicle involved in the case was not covered by the insurance coverage due to the flooding of the sea. Therefore, the Ninghai Court ruled to reject all of Mr. Li’s claims.
What do you think about this?
Hashtags: insurance car tide
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