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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 its second 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.

"capricorn" is coming with great force, and the insurance industry has also entered a state of disaster preparedness and response, launching a comprehensive special action of "prevention, reduction and rescue of compensation", paying compensation early and quickly, and paying all compensation that should be paid, and doing a solid job in various disaster relief and reduction work.

guangdong has sent more than 2 million typhoon warning messages

it is reported that "makar" is not only the strongest typhoon to land in my country in autumn, but also the second strongest typhoon to land in my country. under its influence, since september 6, strong winds with an average wind force of 12 to 15 and gusts of 15 to 17 have appeared in the sea surface of central and western guangdong and leizhou peninsula. the largest gust in guangdong was 61.3 meters per second (above level 17) recorded in nanshan town, xuwen.

the guangdong regulatory bureau of the state financial supervision and administration and the hainan regulatory bureau of the state financial supervision and administration promptly guided the regulatory sub-bureaus and insurance institutions within their jurisdiction to fully carry out typhoon prevention and response and insurance claims services, and effectively play the role of the insurance industry in risk management throughout the entire process of pre-disaster prevention, in-process disaster reduction, and post-disaster relief.

the first is to strengthen linkage and launch the mutual recognition emergency response mechanism for major auto insurance disasters in the insurance industry. on the morning of september 4, guangdong's insurance industry launched the mutual recognition emergency response mechanism for major auto insurance disasters during typhoon makar. according to the established plan, unified launch, unified defense, unified rescue, unified investigation, and unified damage assessment were carried out, and industry collaboration and mutual recognition were carried out, with responsibility divided into sections, effectively improving the efficiency of handling damaged vehicles during disasters.

the guangdong regulatory bureau of the state financial supervision and administration bureau stated that currently,the mutual recognition mechanism for major disasters in motor insurance launched during this typhoon has achieved initial resultsfor 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 about 35cm of water. ping an property & casualty insurance's on-site personnel persuaded people for three hours to ensure that there were no flooded vehicles at the historical flood-prone areas and reduce the occurrence of accidents. next, as the investigation and claims process progresses, unified rescue, unified investigation, and unified damage assessment will gradually play a positive role.

secondly, we should focus on disaster reduction and relief, and implement risk reduction service measures before and during disasters. insurance institutions not only timely produce early warning posters, send typhoon warnings and disaster prevention and risk avoidance measures to relevant insured entities through wechat moments, wechat groups, and mobile phone text messages, but also go deep into the front line to assist insured entities in conducting risk hazard investigation and rectification, and at the same time arrange to contact rescue vehicles and prepare emergency supplies in advance, so as to further consolidate the foundation of disaster prevention and loss prevention and ensure the realization of rescue work in the first time.

data shows that as of 12:00 on september 7, insurance institutions in guangdong province have sent more than 2 million typhoon warning information, conducted on-site surveys and visits to 1,139 enterprises, discovered 295 potential risks, and deployed more than 3,000 service personnel, 2,221 inspection and rescue vehicles, and 267 drones.

guangdong has received more than 2,000 related reports.insurance compensation of rmb 43.087 million was paid

after "makar" made landfall, in order to fight the tough battle against disasters, many insurance institutions expressed that they will continue to pay close attention to the typhoon's movements, implement the principle of prevention over compensation, practice the concept of risk reduction, and coordinate resources from all parties to provide customers with comprehensive hidden danger management and disaster response preparations, ensure that risk reduction measures before, during and after the disaster and various claims services are implemented, and jointly build a solid line of defense for disaster prevention and mitigation.

a reporter from "daily economic news" learned that many institutions including picc property and casualty insurance, china property and casualty insurance, china taiping property and casualty insurance, ping an property and casualty insurance, china life property and casualty insurance, sunshine property and casualty insurance, and dinghe insurance have received reports of the case.

taking picc property & casualty insurance as an example, picc property & casualty insurance hainan branch completed the first catastrophe insurance payment in hainan province this year on the afternoon of september 6, transferring a catastrophe insurance claim advance of 1.5 million yuan and an 80,000 yuan to the authorized merchant accounts of the wenchang emergency management bureau and the qionghai emergency management bureau respectively. as of the afternoon of the 7th, picc property & casualty insurance hainan branch had received a total of 7,602 reports, and the number of reports is still increasing. catastrophe insurance prepayment was 1.58 million yuan, and the first rice insurance payment in the province was 92,000 yuan.

the modern marine ranch insurance underwritten by picc property and casualty insurance guangdong branch triggered insurance liability. the branch immediately launched the marine ranch emergency pre-compensation green channel and paid a pre-compensation of 3.6 million yuan at 20:00 on the 6th. the efficient claims service has given full play to the positive role of agricultural insurance in timely compensating losses and facilitating post-disaster production recovery. as of the afternoon of the 7th, picc property and casualty insurance guangdong branch had received a total of 560 reports. agricultural insurance has pre-compensated and fast-compensated 18.6248 million yuan.

in guangxi, as of the afternoon of the 7th, picc property and casualty insurance guangxi branch received a total of 13 typhoon-related reports, with the main reports concentrated in coastal areas such as fangchenggang and beihai.

it is reported that as of 16:00 on september 7,the insurance industry in guangdong province has received a total of 2,088 reports related to typhoon makar, with an estimated loss of 123.5906 million yuan, and has paid insurance compensation of 43.087 million yuan.(of which, 38.3821 million yuan was prepaid). among them, 172 agricultural insurance cases were reported, and 42.9109 million yuan in compensation had been paid (38.3821 million yuan in prepaid compensation).

the guangdong regulatory bureau of the state financial supervision and administration bureau stated that currently, the insurance claims settlement work after the "typhoon" made landfall is being carried out intensively and orderly. it will guide insurance institutions to carry forward the spirit of sustained combat, and make post-disaster insurance claims settlement and assistance in post-disaster production resumption the most important tasks at present, and effectively play the role of the insurance industry as an economic shock absorber and social stabilizer.

when a typhoon strikes, which insurance can come in handy?

under the influence of typhoon makar, guangxi's typhoon yellow warning and rainstorm warning are in effect, and the guangxi meteorological observatory continues to issue typhoon yellow warning and rainstorm orange warning. the meteorological department reminds that typhoon makar will still bring strong winds and rainstorms to parts of guangxi, and the public should take precautions and avoid staying in dangerous areas such as trees, billboards, and dangerous walls, and pay attention to prevent disasters such as mountain torrents, landslides, and mud-rock flows that may be caused by heavy rains.

for ordinary people, in addition to paying attention to weather forecasts and taking precautions as early as possible, they can also buy insurance in advance to prevent disasters and improve their own disaster prevention and mitigation capabilities. regarding the personal injuries or economic losses caused by typhoons, reporters also analyzed and sorted out the relevant insurance clauses and coverage, and provided direction and suggestions for consumers to purchase insurance.

the reporter of daily economic news sorted out the typhoon claims cases released by the insurance companies and found that the claims reports involving typhoons include home property insurance, agricultural insurance, catastrophe insurance, corporate property insurance, accident insurance, auto insurance, etc. except for catastrophe insurance, which is mostly coordinated by government departments, ordinary consumers can configure the rest of the insurance by themselves.

as far as auto insurance is concerned, typhoons can bring a lot of rain, which can cause vehicles to break down and engines to get flooded. strong winds can also cause fallen trees and falling objects to damage vehicles. whether it is flooding or being smashed, you can claim compensation through auto insurance. it should be pointed out that if the vehicle stalls due to wading, do not try to start the vehicle again, which is the so-called "secondary ignition." according to the provisions of the auto insurance contract, if the vehicle stalls due to water, if the owner tries to start the vehicle again and damages the engine, it is a "loss expansion" exemption recognized by the insurance company, and no compensation will be made for the losses caused by it.

in addition to causing damage to vehicles, typhoons can also easily cause broken glass, water ingress to walls, and flooding of furniture and electrical appliances at home. if you want to reduce related losses, you can purchase home property insurance. generally, losses caused by typhoons can be compensated through home property insurance. taking the home property insurance claim issued by china life property insurance guangdong branch as an example, ms. yang's home had windows leaking due to heavy rain and the walls of her home were damaged. after reporting the case, the claims adjuster of china life property insurance branch immediately contacted the customer to understand the situation, and quickly conducted an investigation and loss assessment through online claims tools, and closed the case and paid the compensation within 1 hour.

it should be pointed out that home property insurance mainly covers the loss of ordinary household appliances, and the loss of valuable property such as gold, silver, jewelry, calligraphy and painting collections is usually not covered.

personal insurance such as accident insurance and health insurance mainly protects against risks such as accidental injuries and deaths. typhoons do pose risks such as falling objects from high altitudes and electric shocks caused by accumulated water, which threaten personal safety. if you want to reduce the losses caused by related accidents, you can configure accident insurance, liability insurance, life insurance, etc. however, you need to read the relevant terms carefully before purchasing.

as for agricultural insurance and corporate property insurance, the insurance types vary from person to person. these two types mainly protect against risks suffered by farmland and corporate equipment. judging from the claims data, agricultural insurance is one of the important insurance types for typhoon reporting and claims. those who purchase relevant insurance types can obtain claims in the first place.