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nanhai.com reported on september 7 (reporter wang hui) that haikou was severely hit by the super typhoon "makar". many trees fell, objects fell from high altitude, roads were flooded, and rainwater backflow caused vehicle or family property losses. the reporter learned from ping an property insurance hainan branch that as of 10:30 on the 7th, the company had received 5,019 auto insurance reports. as of 14:00 on the 7th, picc property insurance hainan branch received a total of 4,065 reports, including 3,753 auto insurance reports and 147 agricultural insurance reports. the number of reports received by other insurance companies is also increasing. so, in what situations will insurance companies pay compensation? how to pay compensation? the reporter sorted out some claims issues involving auto insurance and family property insurance, and compiled a reporting guide.

how to compensate for a car that is flooded or hit by a big tree?

does the flooded car fall under the insurance liability of the vehicle damage insurance? do you need to buy water-related insurance separately to make a claim? according to the staff of hainan people's insurance company of china, flooded cars fall under the insurance liability of the vehicle damage insurance, and there is no need to buy water-related insurance separately after purchasing the vehicle damage insurance. if the vehicle is flooded during driving or parking and suffers losses, there will be different ways to deal with it according to the height of the flooding, the time of the flooding, and the water quality. usually, for the situation where the cab is flooded and the flooding height is below the seat cushion, it can be repaired by quick disassembly, cleaning, and drying. for the situation where the flooding height reaches the instrument panel or above, the insurance company and the car owner can negotiate to use the method of presumed total loss, and no longer repair the vehicle. so, what about collision damage? it is reported that heavy rain weather causes landslides or mudslides, causing the vehicle to be hit by falling rocks or collision damage; the vehicle is damaged by collision with fixed objects such as houses and trees during the process of being washed away by floods, or it is damaged by collision with foreign objects on the road or floating objects in the water when wading. according to the degree of damage to the vehicle, the damaged parts are repaired and replaced. in other words, if the car is hit by a big tree, you can pay for it if you buy vehicle damage insurance. what should you do after your vehicle is flooded? first, the driver and passengers should stay away from the vehicle immediately to ensure their personal safety. the second step is to report the incident to the insurance company and apply for accident rescue at the same time, and tow the vehicle to a repair agency or a preservation site prepared by the insurance company for customers during major disasters. the third step is that after the insurance company receives the report, the claims adjuster will contact the reporter as soon as possible to inform them of the claims processing procedures. after the claims service personnel inspect and confirm the extent of the vehicle flooding, they will formulate a corresponding damage assessment plan based on the flooding situation and complete the compensation in a timely manner. according to the insurance business personnel, if the vehicle is washed away by the flood, as long as the owner has purchased vehicle damage insurance, he can also get compensation.

is damage to gold, silver and jewelry in the home covered by compensation?

according to the staff of hainan picc property and casualty insurance, if you purchase the household property loss insurance under the household property insurance, you can claim for damage to tiles and walls; facilities within the main structure of the house; electrical appliances; and doors, windows, and glass. however, the following properties are not within the scope of the insured subject matter: such as gold, silver, jewelry, diamonds and products, jade, jewelry, ancient coins, antiques, calligraphy and paintings, stamps, artworks, rare metals, manuscripts, ancient books, collectible watches and other precious property; currency, tickets, securities, documents, account books, charts, technical data, computer software, and electronic storage devices and data, etc.

insurance companies in the province have opened a green channel for claims

the reporter learned that at present, all large insurance companies in hainan have opened green channels for claims and rescue. at noon on september 6, ping an property & casualty insurance hainan branch received a report from a customer, mr. fu, that his vehicle was parked on the side of a road in dongfang city, hainan province. due to the rising water level caused by the typhoon and heavy rain, the vehicle was flooded, which was very urgent. after the claims adjuster learned about the situation, he immediately arranged for a rescue vehicle to go to the scene to help the vehicle get out of trouble. in terms of compensation, on september 6, the fastest claim completed by ping an property & casualty insurance hainan branch took only 8 minutes and 29 seconds from reporting to compensation. ping an property & casualty insurance hainan branch stated that the company has opened a "two free and three fast" green claims channel. "two free" means no on-site inspection and no major disaster certificate. "three fast" means fast rescue, fast damage assessment, and fast compensation. "quick rescue means that the rescue and transfer of trapped vehicles will be carried out without distinction of the insured location. quick damage assessment means that according to the wishes of the customer, the company will actively connect with the vehicle repair company, urge the rapid disassembly of the vehicle after it arrives at the repair site, and start damage assessment within 1 day. quick compensation means that after the compensation amount is agreed with the insured and the documents are complete, the company will complete the compensation payment within 3 days, regardless of whether the vehicle registration and driver's license are expired." the company staff said. picc property and casualty insurance hainan branch has opened a fast channel for claims settlement and promoted the "three free and four fast" service for auto insurance claims. the "three free" service is free of on-site inspection, free of meteorological certificate, and free accident rescue. the "four fast" service is: fast and indiscriminate rescue, that is, providing indiscriminate towing rescue services for picc and non-picc passenger car (less than seven seats) customers; quick damage assessment, that is, quickly starting damage assessment when the damaged vehicle arrives at the repair site, using technological claims tools to quickly and accurately assess the damage according to the loss situation; quick repair, that is, providing direct compensation to the store after the vehicle damage is assessed, and customers can pick up the car directly after the repair, without having to advance the repair fee, etc. quick payment means that the damage of the accident vehicle is assessed and paid within 48 hours after confirmation by the insured. in terms of agricultural insurance, on september 6, picc property and casualty insurance co., ltd. wenchang branch received a report of a rice solar term weather index insurance case. the company quickly organized personnel to start the claims process. on the same day, it paid 92,200 yuan at the fastest speed. at present, the company is receiving reports of accidents from farmers affected by the disaster, and will continue to carry out investigation and damage assessment work in an intensive and orderly manner to complete the claims process at the fastest speed.

hainan picc property and casualty insurance reporting guide:

1. call the 7x24-hour customer service number 95518 to report the case; 2. follow the "hainan picc property and casualty insurance" wechat official account, click the bottom menu bar [claims | consumer protection], and select the [claims reporting] service. 3. click one-click reporting or scan the qr code to report the case at the end of the article "hainan picc property and casualty insurance reporting guide please check" tweeted by the hainan picc property and casualty insurance wechat official account. among them, for agricultural insurance customers, in addition to the above three methods, you can also choose the following methods to report the case: method 1: agricultural insurance customers register for yunzhibao to report the case by themselves. method 2: contact the agricultural insurance outlet salesperson to report the case, the outlet staff will register the farmer's insurance situation, and guide the customer to make up the report later. yunzhibao registration guide: 1. individual farmer registration (mobile phone number + sms verification code registration); 2. after registration and login, perform real-name authentication of the id card. after the authentication is completed and login, click "i want to report the case", enter the reporting interface, and complete the self-service reporting.

ping an property & casualty insurance hainan branch reporting guide:

make an online report through the ping an good car owner app/ping an good car owner wechat applet: log in to the ping an good car owner app, enter the page from the "handle claims" on the homepage, select "auto insurance claims - claims application", and then fill in the report information. if the accident is minor, the claims adjuster will conduct a remote survey. after the user takes and uploads photos of the accident, the claims adjuster will remotely assess the loss. if an on-site survey is required, the claims adjuster will contact the owner of the accident vehicle and rush to the scene to check the driving trajectory. after the review is completed, the owner evacuates and waits for the claims adjuster to assess the loss. users can also follow up on the vehicle damage assessment and repair status, as well as view claim records and cancel cases.

sunshine property and casualty insurance reporting guide:

1. dial 95510 to report the case. 2. follow the "sunshine property & casualty insurance" wechat official account, and send "report a case" to the dialog box to get operation instructions. 3. click "claims | consumer protection" in the bottom menu bar of the wechat official account, and select "wechat report a case", "claim inquiry", "wechat rescue" and other services.