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."

Crane to send New Year’s greetings!

Crane to send New Year’s greetings! ###

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  HAPPY NEW YEAR

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The latest news of table tennis World Cup! Guoping is far ahead, and Fan Zhendong is the finale 2.

On December 5th, Beijing time, the ITTF Chengdu Mixed Team World Cup was in full swing. In a just-concluded men’s singles contest, Fan Zhendong, the world champion of table tennis, made his debut against Huang Zhen Ting of Hongkong team in China. As a result, Xiao Pang withstood the impact and finally defeated his opponent 2-0, scoring 2 points for table tennis.

Earlier, Wang Chuqin/Sun Yingsha defeated He Junjie/Du Kaiyu 3-0, and Chen Meng swept Zhu Chengzhu 3-0. Together with the icing on the cake of Fan Zhendong, the China team has achieved a proud record of 8-0. After zero opponents won on the first match day, Guoping continued to play the victory song on the second match day, well done!

Fan Zhendong’s game against Huang Zhen Ting also attracted much attention. In the first game, Fan Zhendong played a bit dull at the beginning, and the score could not be opened in the first half of the game. However, Fan Zhendong played well in the second half, winning the game with 10-7, and then Fan Zhendong scored. At the same time, Xiao Pang scored a point for Guoping.

In the second game, Huang Zhen Ting gave it a shot, but Fan Zhendong fought back against the impact, leading the opponent 4-2, and Huang Zhen Ting used a timeout. After coming back, Huang Zhen Ting scored 2 points and tied the score to 4-4. Then, Fan Zhendong stabilized the situation and finally sealed the victory with 11-4.

In this way, as of now, Guoping has not lost a game, and has won 16 consecutive games. No one can shake its strength. Congratulations to Guoping and China. Later (tonight at 19:00), Guoping will once again go out to compete for the third round of the group round robin, expecting good news from the soldiers.

Title: fierce confrontation! Table tennis mixed team world cup report

On December 7, 2023, the top table tennis event, the table tennis mixed team World Cup, kicked off in XX National Gymnasium. This year’s competition gathered the most powerful table tennis players from all over the world, presenting a high-level and fierce confrontation for fans.

In the first round, China played a fascinating contest with the German team. The China team is composed of world champions Li Hua and Wang Ming, while the German team sent Schmidt and Bauer with extraordinary strength. The two sides showed super skills and tacit cooperation on the court, which made the game once in a stalemate.

In the first singles match, Li Hua played against Schmidt. Two players on the table, you come and go, wonderful. After several rounds of fierce confrontation, Li Hua narrowly beat Schmidt with five sets of scores of 11-9, 8-11, 11-7, 9-11 and 11-9, and scored a valuable point for the China team.

Then, Wang Ming faced Bauer of the German team. Wang Ming’s decisive and neat serve and quick and accurate hitting caught his opponent off guard. He showed excellent control and stability in the game, easily defeated Bauer in straight sets of 11-6, 11-4 and 11-7, and made another contribution to the China team.

In the mixed doubles match that followed, Li Hua of China teamed up with Wang Ming to face the combination of Schmidt and Bauer. The two sides cooperated tacitly, and the balls on the court were staggered rapidly and brilliantly. After five sets of fierce battles, China narrowly defeated their opponents with 11-9, 11-8, 9-11, 10-12 and 11-7, and won the next round with a total score of 3-0.

Another focus battle was also carried out in a passion. The contest between Japan and South Korea, two Asian powerhouses, has attracted much attention. The Japanese team sent the world’s number one female player, Mi Yamada, and the powerful male player, Yang Sato, while the South Korean team was composed of Zhao Mei and Park Seung-woo.

First of all, the women’s singles competition, Yamada Mei against Zhao Mei. Zhao Mei showed a strong defensive strength in the game, while Yamada Mei won points for the Japanese team with excellent attack skills. After five sets of fierce battles, Yamada Mei narrowly defeated Zhao Mei with 11-9, 9-11, 11-13, 11-7 and 11-8, and won the first victory for the Japanese team.

In the men’s singles match that followed, Sato Yang played against Park Seung-woo. Sato Yang quickly gained the upper hand with excellent attack and flexible posture. He showed excellent sense of the ball and technical application ability, and defeated Park Seung-woo 11-6, 11-9 and 11-7 in the third game, adding another point to the Japanese team.

In the final mixed doubles competition, Yamada Mei and Sato Yang partnered against Zhao Mei and Park Seung-woo. In the competition, the four players showed superb cooperation and flexible tactical adjustment ability. After five wonderful games, Japan narrowly beat South Korea 11-7, 9-11, 11-8, 9-11, and 11-9, and beat their opponents 3-0 with a total score, and successfully advanced to the next round.

The wonderful match of the table tennis mixed team World Cup will continue, and players from all over the world will surely ignite the passion of the stadium again. Let’s look forward to more exciting games and unforgettable moments!

Finally! Qiao Shuai revealed that Li Kaier’s first show time was officially released.

On August 5th, Beijing time, after the men’s basketball team in China finished the Cape Verde match, they entered the final of the Trentino Cup, and the opponents were the winners of Italy and Turkey. With reference to the strong comprehensive strength of the two teams, they must be very valuable warm-up opponents for the men’s basketball team in China.

Not long ago, the reporter in front of the sports world "Jiang Cheng Gui Zhou" broke the news. He learned from an interview with Jorjevich that in 23 hours, Li Kaier will make his debut in the final of the Trentino Cup.

Cape Verde, the first opponent of the Trentino Cup, may be Qiao Shuai. For various reasons, let Li Kaier observe the tactics of the men’s basketball team and the requirements of the competition field as much as possible, so as to better integrate into the China men’s basketball team. Compared with the other two teams, the strength of the opponents is indeed different. Zhang Zhenlin, Cui Yongxi, Zhu Junlong and others are enough to meet the needs of strikers, so Li Kaier has the possibility of winning opponents even if he doesn’t play.

However, after entering the finals, these two teams are well-known in Europe. According to the lineup configuration of this set of men’s basketball teams, they are actually completely at a disadvantage. After China’s men’s basketball team joined Li Kai, it may be difficult to reach a competitive state, but what kind of height and combat effectiveness can be achieved is believed to be the focus of attention of countless fans. After all, as an active NBA striker, Li Kaier must be a leading domestic striker in all aspects.

Like some key ball handling, or the time when someone needs to score, Li Kaier needs to play the role of a core player and lead the prospect of China men’s basketball team through personal ability, while qi zhou, Zhang Zhenlin, Cui Yongxi and others are all excellent local players to some extent. Can Li Kaier reach a more competitive state after joining?

With Li Kaier’s entry into the men’s basketball 12-man list, Qiao Shuai’s complete lineup for preparing for the men’s basketball World Cup has been officially released. The main force of the back line is Zhao Jiwei, Zhao Rui, striker Zhou Peng, Zhang Zhenlin, Cui Yongxi, Li Kaier, inside Wang Zhelin, qi zhou and Hu Jinqiu. Players in other positions will see who has more characteristics and play in a more consistent way with the core players of the men’s basketball team, otherwise they may miss the opportunity to enter the men’s basketball 12-man list.

Is it worth it? After Guashuai took over, Manchester City’s net transfer expenditure was 478 million pounds, and it won five Premier League titles in seven years.

Arsenal lost to Nottingham Forest and Manchester City locked in the Premier League title ahead of schedule. This is the fifth Premier League champion of Manchester City since Guardiola took the helm.

Guardiola officially became the coach of Manchester City in 2016. In the past seven years, Manchester City spent 1.074 billion pounds on transfer, 596 million pounds on transfer income and 478 million pounds on net expenditure, with an average net expenditure of about 68 million pounds per season.

In the past seven years, Gua-style Manchester City has won 12 championships (5 Premiership, 4 League Cups, 1 FA Cup and 2 Community Shield Cups), but it has not won the Champions League yet.

Tenghage needs 300 million to fully upgrade Manchester United’s lineup! Buy at least five people, and Degea Maguire will go one of them.

Tenghage is well aware of his Manchester United squad, however, once one of these players is absent, the standard will plummet. In particular, midfield starters bruno fernandez, casemiro and Eriksson, who started the team together, remained unbeaten, but only seven times this year, Manchester United won 6 wins and 1 draw.

However, Tenghage did not dare to rotate. Manchester United lacked the thickness of the squad and could not have two reliable players in every position. Especially key players like Rachford and B Fei can’t rotate, so their chances of fatigue, injury or suspension are naturally higher. Rachford recently missed three games due to groin injury. His goal count (28 goals) is nearly three times that of any teammate, and only B Fei scored in double figures.

In Seville’s Europa League, Manchester United was out of the game, Vallanet, lisandro Martí nez and Garnacho were injured and missed, B fee was suspended, Rachford and Luke Shaw served as substitutes, and the team fell behind in all aspects.

Tenghage said: "We have to admit that we have problems and don’t have enough manpower, especially in the front line. Sometimes you have to make some decisions to win the next game. For example, using the same starter, which helps to get into the rhythm of the game. But after playing too many games and the load is getting higher and higher, you need to take turns. 」

If the conditions are right, Manchester United hope to carry out a major cleaning this summer and introduce high-level new aid. However, this requires funds. The Glazer family has not sold the club yet, and whether the Qatari financier can become the new owner is in doubt. The reconstruction of Tenghage needs a lot of money, reaching the astronomical level.

Who was most responsible for Manchester United’s first goal against Seville? Degea and Maguire fans have their own opinions. From the normal analysis, the responsibility of the English centre-back is even greater, because Degea’s passing has full space for him to handle the ball well.

A video of lisandro Martinez answering Degea’s similar pass shows everything. Under almost identical circumstances, the Argentine iron guard controlled the ball and successfully passed it to his teammates. And if a team wants to pass and control the organization in the backcourt and want to meet the players without any opponents, it is impossible to achieve it.

Of course, based on Degea’s knowledge of Maguire, he should probably play it safe. He would rather kick the ball out of the sideline than pass it to the 80 million-pound iron guard, as he did with Norwich. Of course, if the Spanish goalkeeper does this, then Tenghage and the fans will definitely point at him. "A goalkeeper who can’t pass the ball. "You can imagine people would say this about Degea," Maguire’s position is so empty that he dare not pass it on? 」

To be sure, Degea and Maguire are out of character. Maguire’s turning speed is slow, and his chasing ability is poor, so he needs the goalkeeper to dare to attack and help him out. Unfortunately, this happens to be Degea’s shortcoming. Therefore, since their cooperation, problems have emerged one after another, and it was not until Lima and Vallanet took the place of the big head that things changed.

Ideally, if Manchester United want to really rise, they need to replace both and introduce a new goalkeeper and a substitute central defender. There are quite a few similar rumors, and the leading role candidates mainly include four: brentford’s Spanish goalkeeper David Laya, Porto’s Portuguese No.1 diogo Costa, Napoli’s Korean international Min Kim Zai and Ajax’s Dutch central defender Timber.

Because of financial constraints, if only one of these two positions can be reinforced, then Maguire is the one who should be cleaned. He has no worries about finding a next home, and the price of the replacement is cheaper. Tenghage can further raise funds by selling central defenders such as Eric Baye.

In defence, Manchester United also need a main right-back. Frimpong, the Dutch international of Leverkusen, is a favorite candidate of Tenghage, and his price is 44 million pounds. By selling one of the existing right-backs, Diogu Dallo or Wanbisaka, plus two other redundant full-backs, Brandon Williams and Tres, about 30 million pounds can be raised.

The above positions belong to the lower-ranking areas in Tenghage’s signing plan. The two positions he must buy in the summer transfer window are midfield and center.

The rumored candidates are already fixed, including Frankie De Jong of Barcelona, Jude Bellingham of Dortmund, harry kane of Tottenham and Osman of Naples. Among them, Deong and Kane are the first choice of Tenghage.

Manchester United’s main lineup after the update: Raya/Frimpong, Vallanet (Min Kim), Lima, Luke Shaw/bruno fernandez, casemiro, De Jong (Eriksson)/Anthony, Kane and Rachford.

Manchester United signing candidate list:

Goalkeeper: Raya (40 million pounds) or Costa (70 million pounds);

Central defender: Min Kim (40 million pounds) or Timber (50 million pounds);

Right back: Frimpong (44 million pounds);

Midfielder: De Jong (80 million), Bellingham (130 million), mcallister (70 million) or caycedo (100 million);

Forward: Kane (100 million pounds) or Osman (130 million pounds);

Total cost: 300 million to 400 million pounds.

These five positions in one step, at the same time, is undoubtedly the best choice. However, due to UEFA’s new financial fair competition rules, it is difficult for Manchester United to spend more than 300 million pounds in a transfer window. Therefore, Tenghage had to make a trade-off. In the eyes of British media, his ranking may be: center, midfielder, right back, central defender and goalkeeper.

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