Insurance company rainstorm warning information

In the face of natural disasters such as rainstorm, lightning and typhoon, both families and business owners should arrange corresponding insurance in advance as far as possible to minimize uncertain risks and losses.

On the afternoon of September 13, Shanghai was hit by the strongest rainstorm since the flood season this year. Heavy rain fell in the central city, local heavy rain, and the Meteorological Observatory issued the highest level of red rainstorm warning.

Suddenly, 20 to 50 centimeters of water accumulated in a short time, which seriously blocked the road traffic. A considerable number of vehicles broke down during wading, some subways stopped running, and even the lobby of the bank was flooded. ...

In the face of sudden rainstorm, how to handle insurance claims under different circumstances?

Do not start the vehicle twice when it is closed in water.

In this rainstorm in Shanghai, the loss of vehicles was quite serious. Vehicle failure and engine water intake are the most serious situations.

Judging from the reports of the three major property insurance companies in Shanghai, as of 9: 00 am on September 15, Ping An Property & Casualty Shanghai Branch received 5,425 auto insurance reports.

On September 13 and June 14, PICC Shanghai Branch received a total of 26,965,438+0 auto insurance reports related to rainstorm, of which 86 were due to water inflow.

As of September 14 10: 30, Shanghai Branch of Pacific Property & Casualty Insurance received more than 290 auto insurance reports caused by rainstorm.

According to the terms of car damage insurance, car damage insurance is applicable to compensate for the loss caused by the flooding of cars due to accumulated water in the garage or the falling of trees and stones due to heavy rain. In the claim for car damage after rainstorm, as long as there is no water in the engine, all repair and replacement parts are covered by car damage insurance. When the vehicle is stationary, even if the vehicle body is flooded, resulting in total loss of the vehicle, the insurance company can also compensate according to the total loss.

In the face of the sudden rainstorm disaster, all insurance companies start the green claim channel in time, simplify the claim procedures, such as simplifying the requirements of accident documents such as meteorological certificates, and speed up the damage determination and quick claim settlement of moderately and slightly damaged vehicles, so as to make follow-up claims for affected customers as soon as possible.

After the rainstorm, China Pacific Insurance quickly launched the Emergency Plan for Auto Insurance Claims for Extraordinary Natural Disasters, and set up an emergency working group composed of relevant heads of claims department, office, finance department, information technology department, customer service department and various business departments, which opened a green channel for claims for customers and stopped the shift of claims workers. Nearly 100 survey vehicles from various claim surveyors went to various survey and loss-fixing points to actively carry out survey and loss-fixing claims.

However, for the engine loss caused by wading, ordinary car damage insurance may not be able to pay. Only by purchasing "water-related insurance" will the insurance company fully compensate the losses caused by the insured vehicle wading, including engine losses.

In particular, it should be reminded that if the owner turns off the fire in the water and then forcibly starts it, even if the owner has already purchased water-related insurance, the insurance company will not settle the claim, because this is a human factor.

"In rainstorm weather, if the vehicle is parked on the side of the road or in the parking lot, it is found that the vehicle is flooded and the water level has flooded the exhaust pipe. Do not start the vehicle at this time." Insurance experts in Shanghai said that it is the first step for car owners to properly handle and protect their vehicles from further damage.

Experts also reminded the majority of car owners that if the car has been submerged under the headlights when parking, they should immediately notify the rescue unit to tow the car to the repair shop.

If the vehicle enters the pond and stops, do not try to start the vehicle again, or the engine will get water.

Heavy rain will seriously affect the line of sight, and there are hidden dangers of accidents. Don't drive unless you have to. If you are already driving on the road during the rainstorm, please be sure to turn on the fog lights, turn on the double jump lights if necessary, and drive slowly. If the lights or wipers don't work properly, be sure to pull over and don't drive by force. Remember to close the doors, windows and skylights after parking to prevent rainwater from pouring into the car, causing damage to the car and the circuit.

Family property insurance transfers weather risks.

During the rainstorm in Shanghai, many low-lying family houses were soaked, and the residents after "flooding Jinshan" were really miserable.

For example, PICC P&C Shanghai Branch is "9? 13 "received 177 non-auto insurance reports during the rainstorm.

To this end, experts suggest that families living in rainy southern cities can buy a family property insurance for their small houses. In the storm, if all kinds of family property are damaged and meet the requirements, family property insurance can give certain claims.

In fact, family property insurance can not only protect the family house itself and other family property in stormy weather, but also provide economic compensation for the "third party liability insurance" included in some family property insurance to prevent the flowerpots on the balcony from accidentally hitting neighbors, passers-by and other "third parties" during typhoons and rainstorms. It can usually protect against accidents such as water pipe burst, fire and lightning strike.

Moreover, the family property insurance rate is relatively low. According to the amount and scope of protection, it ranges from twenty to thirty yuan a year to several hundred yuan a year, which can support a big "sun umbrella" for family property. It is a relatively affordable insurance product.

After insuring property insurance, once an accident occurs, the insured should immediately call the service phone of the insurance company to inform the insurance company that the home is damaged, and report the policy number on the phone. If possible, you'd better take your own broken photos for the record. At the same time, prepare insurance policy, property loss list, invoice, proof of property department, etc. If family property is lost due to rainstorm or storm, proof of local weather conditions at that time shall be provided.

As a business owner, we should prepare for the bad weather such as rainstorm and typhoon in time through products such as enterprise property insurance.

Flight delay insurance pays for rainstorm delay.

Like this Shanghai "9? 13 "Flight delays are inevitable in rainstorm and lightning weather.

In this case, special "flight delay insurance", "flight delay liability" and "journey delay liability" in travel insurance and "flight delay guarantee" provided in some credit cards can all get corresponding compensation. For example, AIA, Allianz Sino-German, PICC P&C Insurance, Huatai Insurance and other insurance companies' travel accident insurance, especially overseas travel insurance, can cover the "journey (flight) delay" project.

If the flight is delayed for more than 4 hours due to bad weather, the "flight delay" or "journey delay" insurance liability products on the market will pay about 250 ~ 400 yuan every 4 hours, and the maximum compensation can usually reach 2,000 yuan.

For example, on June 8 this year, a sudden torrential rain hit Shanghai, which delayed the scheduled departure time of the Star Cruise Gemini by one day and delayed the "Busan Jeju Tour" of 1200 tourists. Since most of the tourists in this trip have purchased Huatai overseas travel insurance, every passenger who has purchased this insurance will receive delay compensation from Huatai Property Insurance 600 yuan afterwards to make up for the loss slightly.

In fact, people who often go out have a lot of feelings about flight delays, because natural disasters and man-made disasters can not continue the journey from time to time. AIA's "Travel Around the World" overseas travel insurance, Allianz's "Worry-Free International Travel Insurance" and other products all include "trip shortening compensation".

Table 1: Special protection items of travel insurance related to severe weather such as rainstorm.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.