At present, in the flood-stricken areas, the insurance claim settlement work is being carried out in an orderly manner according to the principle of paying all the compensation and paying the compensation quickly. How to determine the loss of agricultural insurance caused by floods, and how to pay for the vehicles that car owners care about wading? Get to know ↓

　　According to the latest data from the State Financial Supervision and Administration, as of 10: 00 am on August 10th, insurance institutions in 16 disaster-stricken areas such as Hebei and Beijing received 234,800 insurance reports, with an estimated loss of 8.687 billion yuan. At present, 92,300 cases have been paid, with a compensation amount of 831 million yuan.

　　In terms of agricultural insurance, various insurance companies have opened a green channel for disaster claims. For areas with serious disasters and inaccessible personnel, satellites and drones are used for remote sensing survey and damage determination; Make quick compensation for clear responsibilities and losses.

　　In addition, the largest proportion of insurance reports in the disaster-stricken areas is auto insurance. In the parking lot of an insurance company in Zhuozhou, Hebei, the reporter saw that wading vehicles were constantly transported here by trailers, and many of them could only be scrapped because they were too deep in water. In order to speed up claims settlement, all insurance companies have set up "special affairs" in the disaster-stricken areas, and strive to complete the signing of the preliminary agreement within 48 hours and the related compensation work within three days by simplifying the relevant loss determination procedures. In response to the concerns of everyone, the reporter also interviewed people in the industry.

　　What kind of insurance can I buy to pay for the vehicle wading in the flood?

　　It is understood that vehicle water-related insurance does not exist as a separate insurance, but is bundled in car damage insurance. That is to say, vehicles that have purchased car damage insurance can apply for claims.

　　Wang Yanan, Deputy General Manager of Claims Department of PICC P&C Beijing Branch of China:After the fee reform, our car damage insurance covers the original water-related insurance, so the insurance company can pay for the vehicles affected by the flood as long as they buy car damage insurance.

　　How to identify different grades of car damage? How to settle claims?

　　According to reports, for flooded vehicles, the insurance industry has identified six levels of flooding: below the second level, that is, water enters the floor of the vehicle and is below the seat. At this time, it is usually treated by vehicle repair; If the flooding level is above Grade 4, that is, the water level is above the instrument panel, the insurance company will generally make a claim by presumption of total loss, and the insurance company will complete the loss determination in time. The specific amount of compensation shall be implemented according to the standards agreed upon when signing the insurance contract, and the amount of compensation varies according to the service life of the vehicle.

　　Wang Yanan, Deputy General Manager of Claims Department of PICC P&C Beijing Branch of China:If the vehicle is presumed to be a total loss, the insurance company will pay compensation according to the amount of car damage insurance agreed in the contract, and the subsequent residual value will be entrusted to a professional auction institution to auction the residual value. In our fastest case now, the customer signed the agreement of constructive total loss on the same day, and the settlement money can be paid to the customer’s account on the same day.

　　It is understood that at present, in Beijing and other places, under the guidance of the local regulatory authorities, various insurance companies are divided into districts, and they are responsible for the rescue and removal of all vehicles in the underwriting area through the way of ensuring townships and towns, and immediately carry out survey and damage assessment, and mutually identify the damage results.

　　Ma Yizhen, Head of Operation Service Department of China Taibao Property & Casualty Beijing Branch:Even if it’s a vehicle from another insurance company, we will come to rescue it. All our photos of the damaged vehicle are mutually recognized by other insurance companies.