林大卫保险：加州大乾旱，洛市却水灾 CA is dry, but LA has flood

7月29号下午，UCLA旁一条有93年历史的水管突然破裂，导致UCLA部分校园被淹，校内停车场被淹没，700部学生的车泡在水里动弹不得。消防人员随后用橡皮艇救出5名想要抢救自己爱车而被困与停车场内的民众。我们已收到来自UCLA同学的求助，询问自己的车泡在水里该怎麽办。

UCLA已公开声明学校与本事件无关，因此由本事件受到损坏的车辆，或许由LA的water and power 水电管理局赔偿，但理赔过程或许很漫长。如果遇到类似情况，建议车主把车拖到修车厂烘乾维修，并检查电路无恙后再启动。现在很多新型的汽车都由电脑控制，电路系统更复杂，而水是导体，轻易发动汽车可能会造成更严重的损失。

如果是全保的车辆，保障内容里有一项comprehensive coverage可以赔付您的维修费用, 您只需支付自己的自付额，保险公司会赔付剩下的部分。全保的保障还有一项叫loss of use(可选), 如果在车子维修期间需要租车，保险公司会赔偿每天租车费用$30一天(不同保障内容或金额不同)，最多30天。

Comprehensive coverage 不仅包括各种天灾如暴风雨，土石流，火灾，水淹，还有人为的如被涂鸦，被盗，虫咬，被动物撞等，而这次的事件正属於本项目的赔偿范围。

如果是半保, 车辆维修的费用需要全额自己支付。

无论全保半保，多数保险公司可以另加上一项拖车服务(可选)，如果有拖车服务，一定要保留收据然后发给保险公司以便拿到赔偿退款。

拖车和租车保障虽然是可选项目，但遇到紧急情况时，会对车主提供极大的方便并节省费用。

本次水管爆裂是由於管道老化，疏於维修导致，所以洛杉矶的水电管理局有可能会负责赔偿损失，如果您或您的朋友在本次事件中遇到损失，一定要保留所有维修，拖车，租车的收据，以便将来追赔。

On July 29th, 2014 a 93 year old water main near UCLA ruptured and completely flooded the UCLA campus with over 20 million gallons of water.

Extensive damage was done to UCLA and an estimated 700 vehicles were stranded during the flood. Many affected students have reached out to Topco Insurance asking for advice on how to handle this matter.

First and foremost, DO NOT turn on your vehicle before you get the electrical circuits inspected. Doing so may risk greater damage. For policyholders who have full coverage, you are only responsible for the deductible.

For policyholders who have liability only insurance, they will have to pay the auto repair bill out of pocket and then go through, what we assume to be, a long claims process. Please keep ALL receipts to ensure a smooth claims process.

You may also want to check with your insurance agent if you have extra insurance like Loss of Use insurance and towing insurance. Loss of Use insurance will pay for the insured to rent a vehicle while their vehicle is being repaired, usually up to $30 per day for up to 30 days.

Although things like full coverage, loss of use and towing insurance may seem unnecessary when you are purchasing auto insurance, please keep in mind that these extra coverages can save a lot of headache when disaster strikes.

Topco Insurance is happy to assist you with any more questions or concerns you may have about this incident, or any other insurance questions that you may have.