How to pay for the insurance when the car is flooded in a rainstorm? Don’t do it!

BEIJING, Beijing, August 2 (Reporter Zuo Yukun, Zhang Ni) Recently, under the influence of Typhoon Du Surui, extreme rainfall occurred in many areas. Under the heavy rain, many vehicles were trapped in the water, flooded or even washed away directly.

  According to the Beijing Supervision Bureau of the State Financial Supervision Administration, as of 8: 00 a.m. on July 31, the property insurance industry in Beijing had received 978 related insurance reports and rescued 65 vehicles and personnel in distress, and the follow-up insurance reporting and handling work was still in progress.

  For car owners, can their vehicles be compensated if they are flooded? How to protect personal and property safety to the greatest extent?

  If the vehicle is soaked in water, will the insurance pay?

  Regarding the question of whether the flooded car can get compensation, the owner who bought the car damage insurance can rest assured.

  According to the relevant provisions of motor vehicle loss insurance (hereinafter referred to as motor vehicle damage insurance), if the direct loss of motor vehicles caused by natural disasters and accidents is not within the scope of compensation exemption, compensation can be made in accordance with the agreement. Among them, in terms of natural disasters, the scope of compensation includes hail, lightning strikes, storms, rainstorms, floods and many other common natural disasters.

  Many old drivers may claim "water-related insurance" when their cars are flooded. Wang Guojun, a professor at university of international business and economics Institute of Insurance, told the reporter of Sino-Singapore Finance and Economics: "Now there is no water-related insurance, and it is all in the car damage insurance. Whether the engine of a traditional car is flooded or the battery of a new energy vehicle is damaged, it is counted in the car damage insurance. "

  Specifically, the Guiding Opinions on Implementing Comprehensive Auto Insurance Reform, which was officially implemented on September 19, 2020, has carried out major reforms in China’s auto insurance. As long as the new insurance users and renewal insurance users after the above time point have included additional risks such as water-related insurance in the car damage insurance, they do not need to be insured separately. Insurance can pay for vehicles wading and soaking in water.

  The Beijing Supervision Bureau of the State Financial Supervision and Administration Bureau also issued a reminder on July 31: After the comprehensive reform of auto insurance started, the coverage of vehicle loss insurance has covered the losses caused by natural disasters such as rainstorm and typhoon. If the vehicle suffers related losses, please call the insurance company to report the case in time to confirm whether the relevant insurance is insured, and go through the follow-up claim settlement procedures under the guidance of the staff.

  Will the claim be affected if the car is washed away?

  Heavy rains lead to flooding, and sometimes the vehicles are directly washed away. If the car search is unsuccessful, can I pay for it?

  Wang Guojun believes that there is no need to worry at all: "First of all, where the car was rushed can basically be judged by positioning; If it is true that the vehicle is completely washed away and cannot be recovered, the insurance company will generally presume a total loss to make a claim. "

  From the specific operation point of view, the settlement of claims for lost vehicles requires the intervention and assistance of public security organs. After the car can’t be recovered eventually, the owner of the motor vehicle needs to issue a certificate of loss to the local public security organ, then go to the vehicle management office to cancel the vehicle, and finally go to the insurance company to make claims.

  However, it should be noted that the engine is turned off after the vehicle is flooded, and the engine must not be started again, otherwise it will cause engine damage. If the engine is damaged by "secondary ignition" in the water, the insurance company generally thinks that it belongs to the "loss expansion" exemption situation and will not claim compensation.

  What should I do after the vehicle is flooded?

  What should the owner do if the vehicle is flooded? Zhongxin Finance consulted the customer service staff of several property insurance companies.

  The customer service staff of PICC P&C said: If the vehicle is flooded, you should apply for compensation as soon as possible, but the specific amount of compensation is subject to the opinions of the adjuster, and it should be accounted according to the actual value of the vehicle and relevant circumstances.

  Sunshine Insurance staff said: If the vehicle is soaked, it is necessary to contact the insurance company as soon as possible, and the staff should investigate the site, otherwise the site will be difficult to identify after the water recedes.

  It is worth noting that in principle, insurance companies have a time limit for reporting claims. However, Wang Guojun pointed out that in the face of special circumstances such as rainstorm, insurance companies will also handle it as appropriate. The staff of the insurance company also said that the actual situation does not necessarily have to be applied on the same day, but it should be applied as soon as possible.

  "In case of special circumstances, the owner and the personnel on board must first ensure personal safety, and the car should be abandoned; In the case of purchasing car damage insurance, report the case to the insurance company in time, and then handle it according to the insurance company’s process. " Wang Guojun emphasized that insurance companies may now release reminders such as moving cars to customers according to big data before risks, and pay attention to this.

  Will it trigger the overall premium increase?

  Property losses caused by extreme weather will naturally bring some pressure to insurance companies’ claims. According to the data previously disclosed by the government, in 2021, the rainstorm disaster in Zhengzhou, Henan Province, it is estimated that the final amount of auto insurance claims in the entire insurance industry may reach 7 billion yuan.

  Recently, some people in the insurance industry said that the recent heavy rain has caused the claims rate of various insurance companies to rise linearly, and the subsequent insurance prices are likely to increase. After the rainstorm, can cars that are not out of danger also usher in an increase in premiums?

  A senior insurance practitioner told Zhongxin Finance: Usually, the increase in claim rate will lead to an increase in premium, but this should have been taken into account when designing insurance products.

  "In recent years, several rainstorm disasters have also reported the loss of many vehicles. It is impossible for insurance companies to issue existing bubble cars this year to apply for claims due to meteorological disasters. When designing products, these car damages will be taken into account in the calculation model. The premium of general auto insurance is comprehensively calculated based on factors such as the service life of the vehicle, the number of accidents, and the age of the insured. " The above practitioners believe that.

  In addition, the reporter consulted a number of insurance company staff and got a reply saying that if the vehicle is really out of danger, the subsequent premium increase is normal; For vehicles that are not in danger, we have not received the notice of adjusting the premium yet. However, some insurance company sales staff said that if the flood is serious, the premium may be fine-tuned, but there is no precedent for a big increase before.

  Wang Guojun also said that there is indeed the possibility of premium increase in the future. "This rainstorm has increased the overall risk, and insurance companies will increase the proportion of catastrophe risk in actuarial terms in the future, otherwise they may lose money when they encounter the same disaster in the future." However, he believes that the overall premium should not rise too much.

  Wang Guojun also reminded that because the car damage insurance is purchased voluntarily by the owner, some people will feel that their daily car damage is not big, instead of buying car damage insurance, they only take three liability insurance. "Considering the special circumstances such as wading and spontaneous combustion, car damage insurance is still necessary, especially for relatively new and high-value cars."

Mo Hualun’s tender wife’s sexy tour of Thailand was badly attacked in the chest for a few seconds, and she was screamed and fled from the scene.

Angelababy took her children to the emergency department and looked haggard. After being soft-banned, the venture capital fund company suddenly cancelled.

Angelababy, a 34-year-old, was reported to enjoy the Crazy Horse show performed by Lisa, a member of BLACKPINK, in September this year. It is more suspected that Angelababy was soft banned by the government. Angelababy was recently photographed hugging at midnight. …

Italy’s 17-year-old striker has attracted the attention of many giants, but he was given up early in AC Milan.

Born in 2006, Caprini, a young Italian striker, has performed well in various competitions this season and has scored nearly 20 goals so far. His rich potential and excellent finishing ability have attracted the attention of many European giants such as Juventus, Atlanta, Paris Saint-Germain and Barcelona, and he intends to throw an olive branch to them this summer.

Caprini, who is currently playing for the Fiorentina Youth Team, joined the youth training system of AC Milan in 2015. Unfortunately, it was not long before the attacker with Italian, French and Guinean ancestry was considered unable to gain a stable foothold in the team, and was officially abandoned by the Rossoneri in 2017.

However, the player didn’t give up his efforts. Later, he moved to Novara, Entella and other teams to prove his strength. Last summer, he was able to join the well-qualified Fiorentina youth team, becoming the top scorer in the U17 youth team, and once again realized his football dream. With his excellent performance, he has also been called up by the Italian youth team, and his development prospects are promising.

Perhaps AC Milan will feel a little regret after seeing the development of Caprini. However, at that time, the Rossoneri were in the most turbulent time of the team, not only the record of the first team was erratic, but also the club did not have much energy to invest in the training and construction of the youth echelon. With the entry of Elliott Group and Hong Niao Capital, they have paid more attention to finding outstanding young players, and many outstanding young talents have emerged in the past few years.

Colombaud and Nasti are the best young shooters trained by AC Milan at present. The former is being loaned out to Maleche, which is promoted to Serie B, for exercise, while the latter has officially entered the stage of the adult team in Serie B team cosenza this season, both of which have played well. The younger Kalmada is also growing steadily, and they are expected to wear the first-team shirts of the Rossoneri in the future and go into battle at the San Siro Stadium.

4-0 counterattack, China bombarded 103-0 and 77-0 after 00, and Sijiahui started 4-1 strongly.

In the early morning of April 23rd, Beijing time, the 2023 Snooker World Championships continued. In the second round of a focus match, China’s 20-year-old Si Jiahui took a 4-0 lead over the opponent in the first stage with veteran Robert Milkins, and after a 4-0 counterattack. In the first round, Si Jiahui beat the world champion "Magic" Sean Murphy 10-9 to advance strongly.

The World Snooker Championship is the most important annual snooker event. The 20-year-old Si Jiahui won through two qualifying rounds. Get the chance to participate in the World Championships in Crucible. And his opponent in the first round of the World Championships is very strong. He is Murphy, the first World Championship champion after 1980s, and he just won the player championship and runner-up in the Tour Championship not long ago.

In the face of powerful Murphy, Si Jiahui played a very domineering performance. His opponent in the first round is Murphy, who is in a hot state this season and won the "Magic" not long ago.

In this campaign, in the first four games, Si Jiahui fell behind 0-2 and 1-3. In the fifth game, the counterattack mode was started, and 77-2 pulled back a game. In the sixth game, the two men started a tug-of-war. In the stalemate game, Si Jiahui got a hand several times and pulled another game at 109-60. The score was tied at 3-3, and both sides returned to the same starting line.

In the seventh game, Si Jiahui scored 50 points in a single shot, won another game 86-34 and overtook the score 4-3. In the eighth game, although Murphy played very tenaciously, Si Jiahui’s state was still excellent. He scored 53 points in a single shot, 81-40 and then went to the next city, and the score came to 5-3.

In the ninth game, after losing four games in a row, Murphy finally stopped the decline. He pulled back a game through piecemeal, 65-19, and the score was 4-5. At the end of the first half, Si Jiahui was one game ahead. In the second half, Si Jiahui continued to make a strong effort. After the fifteenth game, he won three match points 9-6.

In desperation, Murphy launched a strong counterattack to save three match points and chase the score to 9-9. In the deciding game, Si Jiahui didn’t drop the chain, 56 points in a single shot sealed the victory, and the total score was 10-9. In the second round, facing veteran Milkins, when Si Jiahui started 0-1 behind, he made a 4-0 counterattack and 4-1 overtook the score.

The transfer fee is ready! Manchester City found Calvin Phillips body double, and the champion attribute conquered Guashuai.

Manchester City has brought Calvin Phillips from Leeds this season, but the English midfielder didn’t get many playing opportunities in his first season at Manchester City. At the beginning of the season, players’ injuries were the main influencing factors. Although FIFA World Cup Qatar 2022 successfully participated, he was once again excluded from the team’s main force because of overweight after returning to Manchester City. It can be said that Guardiola has not found a way to activate the midfielder. Of course, Manchester City will not sell players this summer, but Rodley really needs a player who can share the pressure for him, and Manchester City has also locked in the target.

According to news media N1, Manchester City coach Guardiola has found a midfielder who can replace Calvin Phillips, form a good rotation with Rodley, and even have a competitive relationship. This person is none other than Chelsea’s Croatian midfielder kovacic. Joining the Blues from Real Madrid in 2018, kovacic has helped the Blues win the Europa League, Champions League, World Club Cup and Super Cup.

However, with the departure of Roman Abramovich, the Blues under Burleigh’s control are now playing very badly on the pitch, and Burleigh spent 600 million pounds to sign for two consecutive transfer windows this year, but the final result is not satisfactory. On this premise, the Blues will sell a large number of players this summer to ensure their financial balance, and the contract between kovacic and Chelsea will expire in Ming Xia, so it is very likely that the Blues will sell them soon to earn a transfer fee.

There is a high probability that Chelsea will not qualify for the Champions League next season, and many players in the team will also have their salaries reduced. Of course, these players were signed during the Burleigh period. As a meritorious player during tuchel’s coaching of Chelsea, kovacic’s blue career has basically come to an end. However, kovacic, who is only 28 years old, is still at the peak of his career, and Guardiola is very fond of the Croatian midfielder and hopes to sign this player for Manchester City this summer.

Guardiola once said that Calvin Phillips needs to increase his rhythm in short passing. In the game with Sheffield United, Guardiola continued to give players playing time, but more could only be returned, and he could not find the opportunity to adjust his body forward. Obviously, Calvin Phillips could not provide much help to Manchester City on the court when he was on the court. If players want to gain a foothold in Manchester City, it is very important to add some extra training, but Manchester City obviously can’t just wait, but wants to take the initiative.

It is reported that Manchester City is prepared to bring kovacic from Chelsea for a transfer fee of 30 million pounds, which is not low, and if Manchester City is really willing to pay such a high price, kovacic himself is obviously willing to join. After all, you can win more trophies in Manchester City, and compared with the chaotic Chelsea, Manchester City is obviously a good place for kovacic.

Of course, it is not known whether Calvin Phillips can lead to the outbreak of Manchester City’s second season. Like Grali and many other players, he has grown up under Guardiola’s guidance. However, it is obvious that Calvin Phillips’s first season in Manchester City is not mature enough for various reasons, and players should consider their own future. Therefore, it is very important for Calvin Phillips to integrate into Guardiola’s tactical system as soon as possible.

The Premier League is about to change!

International football association board has announced plans to increase the "effective time" of the competition, the world referee director.Pierluigi CollinaSaid that Premier League players will stop wasting time.

He is the chairman of the referee committee of the International Football Federation, and he said: "Aston Villa is valid for 43 minutes against brentford. I don’t think anyone is willing to spend money to watch the game for only 43 minutes. "

According to the data available in Colina, the effective time of Premier League matches is 54.49 minutes, while the effective time of Scottish Premier League matches is even lower, at 50.42 minutes. The effective time of the Champions League competition is 58.07 minutes.

International football association board has decided to use the actual time in five key areas, namely substitution, player injury, penalty and red card, VAR and goal celebration, instead of the estimated value, when calculating the total pause time.

Although this may mean an increase in pause time at first, it is thought that this situation will decrease once players realize that their time is only added.

Colina said, "We have seen that using VAR reduces simulation. How many yellow cards are issued because of simulation now? Very few, because players know that it is meaningless to try to simulate. "

"When the players know that wasting time is meaningless, because that time is compensated, I believe that wasting time will be reduced."

Why the exact time is important-even if the score is 7-0.

Colina said that the extra time in Liverpool’s recent loss to Real Madrid at Anfield was seven minutes, but if the actual wasted time in the second half was correctly evaluated, the time would be increased to 16 minutes.

He said that if the correct guidelines are applied, Liverpool’s seven-goal victory over Manchester United should also add more time.

Colina said: "Last weekend, there were 10 matches in the Premier League. Four of them have more than 10 minutes of extra time, and some other games have no accurate time, probably because the scores are 7-0 and 4-0. "

"In the Liverpool game, four minutes were added in the first half and three minutes in the second half. But he scored six goals in the second half. "

"Maybe at some point in the future, we will make a rule that if there is a big gap between the two teams, no extra time will be given. But this will be written into the rules of the game.

"Now this is common sense, but it is common sense only if it doesn’t affect anyone.

"I can understand that it is difficult to show the correct time when the score is 7-0.

"But if it is stipulated that the whole goal difference may affect the final ranking of the game, it may be different to score a goal or not."