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typhoon makar, the 11th typhoon this year, made its first landfall on the coast of wenchang city, hainan province around 16:20 on september 6 as a super typhoon, and made another landfall in xuwen, guangdong province around 22:20 on the same day as a super typhoon. the maximum wind speed near the center was above level 17 when it made landfall, causing significant wind and rain impacts on most areas of guangdong province, especially western guangdong.

insurance institutions in guangdong are making every effort to carry out typhoon prevention, response and insurance claims services, and are effectively leveraging the insurance industry's functional role in risk management throughout the entire process of pre-disaster prevention, in-disaster mitigation and post-disaster relief.

it is understood that the guangdong financial regulatory bureau has issued the "notice of the guangdong financial regulatory bureau on effectively responding to typhoon makarand providing insurance claims services" to the financial regulatory sub-bureaus under its jurisdiction and provincial insurance companies stationed in guangdong, requiring all regulatory sub-bureaus, branches and insurance institutions to promptly send disaster prevention guidelines with early warning information to policyholders, prepare sufficient claims investigation and rescue personnel and vehicles, and work together to do a good job in typhoon early warning defense and insurance claims services.

on the morning of the 4th, guangdong's insurance industry launched an emergency response mechanism for mutual recognition of major auto insurance disasters during typhoon "makar", and carried out unified launch, unified defense, unified rescue, unified investigation, and unified damage assessment in accordance with the established plan, carried out industry collaboration and mutual recognition, and divided responsibilities to effectively improve the efficiency of handling damaged vehicles during disasters.

at present, the mutual recognition mechanism for major disasters in auto insurance launched during this typhoon has achieved initial results. for example, in the unified defense link, the insurance company arranged special personnel to continuously inspect flood-prone areas and found that the yangchunchunwan railway low tunnel had accumulated about 35 cm of water. ping an property & casualty insurance's on-site personnel persuaded people for three hours to ensure that there was no flooding at the historical flood-prone area and reduce the occurrence of accidents. next, with the advancement of the investigation and claims process, unified rescue, unified investigation, and unified damage assessment will gradually play a positive role.

for example, ping an property & casualty insurance fully utilizes technology to push disaster warning information through the eagle eye system, enterprise apps, enterprise wechat and other platforms, and provides emergency disaster response, self-help and self-service compensation guidance such as reporting and rescue. tai ping property & casualty insurance provides policyholders with operation manuals for disaster prevention and loss prevention of crops, livestock and aquatic products, and publicizes pre-disaster prevention measures and post-disaster management measures according to the insured crop types of different customers. according to different regions and insurance types, households are visited to understand the actual difficulties and needs, and help solve them.

in terms of auto insurance, picc property & casualty insurance quickly organized investigation teams from local branches to go to the front line to inspect flood control baffles, sandbags and other equipment, and placed warning signs at flooding black spots to guard the first line of defense for auto insurance disaster prevention. in terms of non-auto insurance, picc property & casualty insurance paid attention to the risks and hidden dangers of corporate property insurance and engineering insurance, and went to potou district, zhanjiang city to conduct risk investigation on a photovoltaic power station project, using drones to solidify the status of the pre-disaster bid and assist customers in pre-disaster rectification. in terms of agricultural insurance, relevant companies assisted farmers in the pre-disaster harvesting of mature crops and aquaculture products, and took measures such as embankment consolidation and dredging, and fencing for flood control to reduce the risk of crop damage and fish pond overtopping. insurance companies also linked relevant government departments and third-party resources to work together to do a good job in pre-disaster prevention and disaster rescue.

for example, in maoming, ping an property & casualty insurance mobilized social resources to help select high-quality windproof and water-proof parking lots for customers to use, proactively informed customers of the location of the parking lots and opened them free of charge, and made every effort to protect customers' vehicles, property and personal safety. in zhanjiang, ping an property & casualty insurance zhanjiang branch conducted a carpet-style inspection of flooded black spots, mobilized the industry to query vehicle phone numbers to guide customers to evacuate, and mobilized traffic police to tow vehicles that were not evacuated in time after obtaining the customer's consent, fully protecting the safety of customers' property.

data from the guangdong financial regulatory bureau showed that as of 12:00 on the 7th, insurance institutions under the jurisdiction of guangdong had sent more than 2 million typhoon warning messages, conducted on-site surveys and visits to 1,139 companies, discovered 295 potential risks, and deployed more than 3,000 service personnel, 2,221 inspection and rescue vehicles, and 267 drones.

guangdong promptly carried out post-disaster claims settlement. according to statistics, as of 16:00 on the 7th, the insurance industry in the province had received a total of 2,088 reports related to typhoon makar, with an estimated loss of 123.5906 million yuan, and 43.087 million yuan in insurance compensation had been paid (38.3821 million yuan in advance). among them, 172 agricultural insurance reports were filed, and 42.9109 million yuan in compensation had been paid (38.3821 million yuan in advance).