It is understood that the seven vehicles damaged in the accident, including PICC and PICC each underwrite 2 vehicles, and Ping An insurance company underwrites 3 vehicles. At present, all cases have been reported and the insurance company is investigating and determining the losses. < p > < p > the person in charge of Ping An insurance claims said that in this case, as long as the vehicle has been insured with vehicle damage insurance, the insurance company will pay full compensation within the scope of liability and limit of vehicle damage insurance, and there is no situation of “tide full responsibility, no insurance claim”. < p > < p > according to the introduction, in the terms of vehicle damage insurance, the definition of flood includes flood, tide and other situations when the water overflows the embankment or flows backward. As long as the vehicle does not suffer from flood loss on the non driving road below the river bank, insurance claims can be obtained. However, if the engine is damaged in this accident and the vehicle is not covered by the engine water risk insurance, the engine loss insurance company will not pay for it. < / P > < p > a Tesla was damaged in this accident. As the pure electric vehicle has no engine, there is no problem of engine liability exemption. If the “three electric” damage is involved, the claim shall be made according to the electrical damage clause in the vehicle damage insurance. As for the responsibility determination, the person in charge said that in this accident, the responsibility is indeed in the spring tide, and the monitoring video is very clear. Therefore, the damaged vehicles do not need to be issued the responsibility confirmation letter by the traffic police, and the insurance company will settle the claim according to the normal procedures. According to the introduction, in similar disasters and accidents, if insurance claims need supporting materials, in addition to the traffic police department, relevant responsible units such as port and shipping, road administration, water affairs, fire control, etc. can also issue them. < / P > < p > in addition, from the monitoring video, it can be seen that several vehicles collided with each other under the impetus of the tide, causing damage to the car body. In this case, how to determine the accident liability and claim? < p > < p > it is reported that the general treatment principle for vehicle collision accidents in floods, fires, ice and snow and freezing disasters is to find the insurance company that the vehicle insured to pay for the accident, and the premise is that the vehicle damage insurance is also insured. Didi Qingju bicycle has entered 150 cities