After a storm surge, the owner of the car does not need to provide weather proof

The number of vehicle insurance reports such as flooding and flameout of vehicles surged

On July 21, Beijing experienced the worst heavy rain in 61 years. On July 22, it was learned from a number of insurance companies that the number of commercial motor vehicle insurance reports in the city after the heavy rain surged. Flooding and turning off the vehicles became the main reason for the report. A number of insurance companies stated that they do not need the owner to provide meteorological evidence during the acceptance of the auto insurance. Consumers need only ID cards, driver's licenses, driving licenses, etc. According to the damage of the vehicle, they can choose to call the insurance customer service phone or send the vehicle to the repair shop first, and then they can go through the normal auto insurance claims procedure.

Vehicles extinguished by general trailer pressure

At 2pm on July 22nd, at a car insurance claim settlement center in Fangzhuang, the parking lot was full of all kinds of vehicles, large and small, and it was already inconvenient for vehicles to enter and exit. The staff is responsible for guiding the vehicle. In the hall, before the acceptance points of several insurance companies including PICC, Pacific, and Ping An, the owners were waiting to accept claims settlement services.

The relevant person in charge of the China Insurance Protection Claims Department stated that as of 5 pm on July 22, PICC received a total of 5,241 commercial vehicle insurance reports, in which the vehicle was flooded and water immersed to cause engine damage. Extinguishing the ignition and then trying to light it will easily cause damage to the engine."

"A car can't start again after being turned off in water. It needs a rescue company, a repair shop, etc. to transport the vehicle to a repair shop with a trailer." The person in charge said: "The vehicles affected by the disaster are very large. There are still many vehicles waiting on the roadside. trailer."

Ping An Insurance’s claims staff revealed that as of 4 pm on July 22nd, Ping An Insurance received a total of 4,682 complaints, and the vehicle’s water intake was widespread. “All our trailers are on the way to the rescue and are expected to take two days. Time, so that temporary vehicles stalled on the roadside have entered the garage."

"Second spark" insurance company does not lose

The engine "dumping water" could not receive compensation in the vehicle loss insurance. A PICC claims officer said that the vehicle damage insurance is responsible for the influx of water from the vehicle, the replacement of engine parts, circuits, oil, interior cleaning, etc. The engine flooding is not within the scope of the basic vehicle damage insurance coverage. .

The wading insurance is a separate insurance set for the engine, which is listed as an additional insurance, and can compensate for the engine losses caused by starting the water and water in the road area. At present, only a few car owners will choose to apply for wading insurance. “General car owners will consider this type of insurance not to be used in the north”.

According to industry sources, the premium for general wading loss insurance is 5% of the vehicle premium insurance premium.

However, instead of applying for wading insurance, the insurance company will receive all the damage to the engine. Industry insiders reminded that whether you apply for wading insurance or not, after wading or being immersed in water, you should not start the vehicle again. “Second time firing” will only result in greater losses, and insurance companies will also No compensation.