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In recent days, Henan and other places have been hit by torrential rain, and motor vehicles on the road have also become the main components of the disaster losses. As of July 6 this year, the number of motor vehicles in Zhengzhou was 4.9 million, ranking among the top six cities in China, according to statistics from the Ministry of Public Security. According to incomplete statistics of the Bancassurance Regulatory Commission, as of last night, insurance institutions had received nearly 40, 000 insurance reports, with an estimated loss of nearly 1 billion yuan. Relevant media have learned that the number of insurance cases in Henan Province has increased rapidly since the 20th. As of 8 o'clock on the 21st, Ping an Insurance property Insurance has received 24000 car insurance reports, more than 300 property insurance reports, and losses of more than 600 million.

In order to simplify the claim settlement process and improve the claim settlement efficiency, on the 21st, the Henan Banking and Insurance Supervision Bureau issued a notice to the bank and insurance institutions within its jurisdiction, requiring all insurance institutions to centrally deploy and survey resources in accordance with the principle of special and urgent affairs, and to establish a green channel for claims settlement. Especially for those involving casualties, it is necessary to reduce hospital restrictions and improve the limitation of claims settlement by means of direct compensation and one-stop settlement. Insurance companies are also actively carrying out 24-hour vehicle rescue work. It is understood that on the 21st, PICC rescued 345 flooded vehicles in Zhengzhou and opened green rescue channels for all car owners.

According to the new version of commercial car insurance, car insurance purchased after September 19, 2020, water-related insurance has been included in the vehicle damage insurance. If the vehicle is flooded, call the insurance company, and the insurance company will pay for the fixed loss. It is worth mentioning that before the comprehensive reform of automobile insurance was carried out in China in September 2020, the engine damage caused by engine water did not fall within the scope of compensation for vehicle damage insurance, and additional insurance was needed for engine water-related loss insurance. After the comprehensive reform of automobile insurance, the flooding loss of engine has been covered by vehicle damage insurance. However, it should be noted that insurance companies usually do not cover the engine loss caused by the "second start" of the vehicle after entering the water. Therefore, if the vehicle flameout when wading in the water, the owner should avoid starting again to cause damage to the engine and increase additional losses. If you buy car insurance before September 19, 2020, you need to see if you have taken out a separate wading insurance.

For the rainstorm disaster in Henan, most of the reports received by insurance companies are mainly car insurance. As of 08:30 on the 21st, China Pacific property Insurance had received a total of 4163 disaster reports in Henan, including 4083 car insurance reports; as of 12:00 on the 21st, Ping an property Insurance had received a total of 20697 disaster-related reports, including 20471 car insurance reports. According to the official data of Taiping property Insurance, on July 20, Taiping property Insurance Henan Branch received a total of 756 vehicle water-related cases and 3 property insurance cases, of which 623 cases were reported in Zhengzhou City, and the amount of compensation is expected to exceed 6 million yuan. As the torrential rain continues, the number of reports is expected to continue to rise. At present, a number of insurance companies have launched a green channel for claims settlement to simplify the relevant process.

Yang Zeyun, a teacher at the School of Management at Beijing Union University, also said that the settlement of claims for vehicles depends on whether the vehicles are responsible for wading. In the past, wading insurance was an additional insurance as the main insurance, which needed to be purchased separately by car owners, but in last year's comprehensive car insurance reform, engine water-related liability has been merged into the scope of car damage insurance. It is generally believed in the industry that the implementation of the comprehensive auto insurance reform will increase the comprehensive compensation rate of auto insurance. However, Yang Zeyun said: "in this round of heavy rain, whether car owners can get a claim should also be agreed on according to the specific contract terms of the insurance company."

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