In recent days, extreme heavy rains in Henan and other places have caused casualties and property losses. As of 18:00 on July 22, Henan P&C insurance industry had received a total of 143,500 claims, with a preliminary estimated loss of 4.489 billion yuan. in,Reports involving auto insurance are reflected in the report as the main type of property insurance, whether in terms of quantity or amount of claims.
The Central Meteorological Observatory forecasts that Typhoon No. 6 “Fireworks” will make landfall this year. Affected by it, there will be large-scale or heavy rainstorms in Zhejiang, Shanghai, Fujian, Jiangsu, Anhui, Jiangxi, Taiwan and other places, and there will be extremely heavy rains locally.
What should we do when the heavy rain floods the car? Wang Meng, an automotive industry expert, said: “Generally wading depends on the safe ground clearance of the vehicle and the professional skills of driving.” He advises the majority of car owners that the rain is so heavy this year, everyone should not take a fluke mentality, but safety first. .
Sun Chuancai, technical director of Coppola Automotive Consulting Services (Qingdao) Co., Ltd. pointed out thatIn theory, the wading capacity of electric vehicles is stronger than that of fuel vehicles, but this does not mean that there is no risk. “When the driver perceives some impact on the chassis of the car, it is best to stay away from the car and wait for rescue at this time.”
Wu Xingcai, assistant general manager of China United Property & Casualty Insurance Claims Department, said that everyone does not have to worry too much about the problem of vehicles being flooded or even washed away and cannot be found.As long as there is an insurance policy, the insurance company will presume the total loss, especially in the case of a special disaster, the insurance company has adopted quick compensation measures.
On July 20, the vehicle was wading on the streets of Zhengzhou.Picture source: Xinhua News Agency reporter Zhu Xiang
When to escape?Car experts teach you to judge the location of flooding
“Generally, as long as the flooded position is beyond the center line of the wheel hub, it is basically judged that water will enter the floor of the car. During this process, once the vehicle is turned off, do not start to fire, because once the fuel is collected during driving, it may be discharged. When water enters the air pipe, the engine will stall. Restarting will cause the engine to enter water. The vehicle engine may be scrapped and the loss will be great. When the rain is getting heavier, it may have exceeded the best time to escape, which is very dangerous. “Wang Meng suggested that in this kind of flood situation, try to avoid it first and run to a higher place.
Wang Meng further pointed out that the general wading depends on the safe ground clearance of the vehicle and the professional skills of driving. However, judging from the actual state of the accident, the probability of flooding SUVs is often higher. “Because he thinks that his car is tall, his mental state is quite good. When the car driver sees that the water is high, he won’t pass it, go around or wait for a while, while the SUV owner thinks that the wading height is good, and it is often even worse. I tend to try it bravely.” In this regard, Wang Meng suggested that you don’t take a fluke mentality, but safety first.
Wang Meng also suggested that the location of parking should not be low-lying, including underground parking lots with poor waterproof measures, under trees and other places. Don’t worry when the car is in water, as long as you get the car insurance, the compensation will be paid according to the actual situation. The safety of human life is always higher than the value of the vehicle.
As a professional in the field of insurance claims, Wu Xingcai said that since the auto insurance reform on September 19 last year, the original blister car engine criticized by the common people must be insured separately to claim the content, and the new clauses have been reformed. This means that the new car damage insurance clause now covers engine losses.
On July 20, vehicles were flooded on the streets of Zhengzhou.Picture source: Xinhua News Agency reporter Zhu Xiang
So, what are the standards for insurance companies to settle claims? Wu Xingcai said, “Under normal circumstances, based on our many years of experience, if the water level has passed the car’s seat and reached the position of the dashboard, theoretically the car is likely to be repaired and worthwhile, it’s more cost-effective to buy a new one. In the insurance industry, it is called presumptive total loss. The loss of the vehicle is directly paid to the owner based on the vehicle’s insured situation and depreciation.” He said that this is the current industry practice, so that consumers have no worries.
Where are the real risks of electric vehicles?Wading, leakage, and impact
Recently, several videos of electric vehicles turning on the “amphibious” mode in heavy rain have gone viral.
Video source: car stuff
The better sealing performance of electric vehicles means that the risk of wading is also lower? In response, Sun Chuancai said: “At present, electric vehicles are mainly transformed by high-voltage electricity, and the sealing level is generally IP67. In theory, the wading ability of electric vehicles is stronger than that of fuel vehicles.Moreover, electric vehicles have been equipped with several safety protection devices during production, and the instrument will show that the vehicle is in a leaking or insulated state, so the owner does not have to worry about whether an electric shock will occur. “
However, if the vehicle is in a state of ingress of water or water vapor, it cannot be driven. Sun Chuancai suggested that at this time, try to escape as much as possible and do not try to stay inside the electric vehicle forever.
Sun Chuancai also pointed out the different risks faced by electric vehicles. “Because the underwater road environment is uncontrollable, when driving on unclear roads underwater, it may cause some scratches on the battery at the bottom of the device.If the bottom of the battery has been scraped out or broken, some impurities in the water may become conductive, and the battery’s cell gap may be too short to cause heat, or even burn and explode.“Therefore, he suggested that when the driver perceives some impact on the chassis of the car, he can no longer continue driving.
“Electric vehicles and petrol vehicles are not much different in claim settlement.” Wu Xingcai said that when the petrol vehicle engine is wading, as long as it does not start, there will be no big losses. It is enough to clean it. It is also relatively simple. The airtight conditions of electric vehicles are very good, as long as there is no particularly destructive impact, there is not much difference between electric vehicles and fuel vehicles.
Will flooded cars flow into the used car market?Can you buy
After the heavy rain, will consumers buy those cars that have been soaked in the water in the used car market?
Wang Meng believes that, first of all, according to the amount of market circulation, the number of water tankers is not large. Secondly, once the flooded vehicle is out of danger, claims will be recorded. After the vehicle is repaired, it enters the second-hand car market. The operator needs to inform the customer that the vehicle is blistered, and the customer needs to sign for confirmation. Consumer rights and interests are protected by law. As long as they purchase and sign contracts from formal businesses, consumers can sue the businesses to refund one compensation three or even return the car if the business commits deliberate fraud.
In Wang Meng’s view,Consumers do not need to worry about the risk of buying a flooded car. He also emphasized three points: First, once such heavy rain causes customers’ psychological fear, it will suppress the entire second-hand car market; second, it must Choose a formal enterprise; third, sign a contract.
On July 20, vehicles were flooded on the streets of Zhengzhou.picturesource:Photo by Xinhua News Agency reporter Zhu Xiang
In Wang Meng’s opinion, some users have problems buying a water bubble car. In Wang Meng’s view, it is in some informal channels, especially some so-called personal cheap cars on the Internet. Buyers can buy these without any guarantee and they are not households. After the vehicle is bought, there is no recovery and legal protection, and it is very likely that there will be problems. Wang Meng also pointed out that honesty should belong to both parties, and it is hoped that consumers should also talk about honesty when selling cars. If the problem of blister cars is hidden, operators have to identify and take risks. He also called for the improvement of laws and regulations to restrict the intentional concealment of the original car owner.
Wu Xingcai believes that after the flooding, the parameters of the vehicle will definitely be affected. If the repair is not in place, some more difficult faults may occur. Buyers should still carefully consider the second-hand flooded vehicle. He also said that the insurance industry has established a large database, and when second-hand flooded vehicles are renewed or traded again, they will remind the vehicles that they may have been at risk of disaster.
Regarding the possible impact of electric vehicles after wading, Sun Chuancai analyzed the three-electric system, namely the battery, motor, and electronic control, and believed that after the wading of electric vehicles, the residual value and subsequent performance are still relatively large.
The first is whether the battery is wading. When water vapor enters the battery pack, an obvious malfunction occurs, which may have a great impact on the performance of the battery and also affect the subsequent vehicle endurance level. If it is more serious, heat or short circuit will occur, and even cause smoke to explode.
Secondly, the motor cannot be used after wading. In the early stage, electric vehicles used permanent magnet motors. In addition to the overall replacement during subsequent repairs, other repair methods are still immature at the moment.
The last is the electronic control. The control system has also passed the IP67 waterproof level test. The integrated circuit board inside the control system is incompatible with water. If the water vapor is not exhausted during the repair process, it will slowly corrode the integrated circuit board for a long time.
“But when the vehicle has not reached a long period of time for wading, the performance of the high-pressure part may be relatively good because there is no water vapor entering, and more failures may be problems in the low-voltage line.” Sun Chuancai said.
Is insurance claim difficult?Simplify the process and pay all compensation
It is understood that, affected by the heavy rain disaster in Henan, auto insurance accounts for the majority of property insurance in current insurance reports, and the proportion of indemnities is also reflected in the report as the main insurance type. The second is agricultural insurance. Wu Xingcai said that the current simple statistics of the insurance industry may exceed 5 billion. In addition to losing money, the role of insurance in social governance is also highlighted in times of crisis. For example, when car owners are on the pavement of a basement, insurance companies will send professional trailers and other means to help escape danger.
When a torrential rain disaster occurred, Wu Xingcai reminded him to put his own safety first, and to carry out insurance claims in an orderly manner under the premise of safety. “At present, the insurance company has done all the compensation, so there is no need to think too much about the issue of whether it can be compensated, as long as life is the first priority.”
According to his introduction, insurance companies have launched a series of fast services during the catastrophe to facilitate consumers to quickly claim compensation, mainly to simplify the claim settlement process, avoid accident certification, and pay directly after the loss is measured. If the appearance can be determined, the compensation will be paid directly to the repair shop, and the owner can directly pick up the car without paying the repair fee.
Regarding the special situation where the vehicle is washed away and cannot be found, Wu Xingcai said that if it is really not found, as long as there is relevant government certification or evidence that it is indeed lost, the total loss is presumed from the perspective of insurance. As long as there is an insurance policy, the insurance company will follow suit. Request acceptance. He said that some car owners could not find their cars during the heavy rain disaster in Henan, and the insurance company would unite the relevant government departments and transportation departments to send SMS messages to inform the claim process.
It is worth mentioning that the insurance company has also set up a special working group to establish an on-site claim settlement point, accept flooded vehicles and other property losses, provide 24-hour consulting services and claim rescue services to minimize customer losses and assist the government Relevant agencies of the department should work together to prevent and deal with disasters and post-disasters.
What else should I pay attention to?Experts teach you a few tips
Wang Meng reminds everyone that when it rains and snows, go out and watch the weather forecast to understand the disaster weather; if you encounter water repairs, the cheaper second-hand cars are not recommended to be purchased by non-professionals because of the line failures and electrical appliances of these cars. Failures may have certain safety hazards. In addition, if you are worried that the car you bought is soaked in water, a small trick is to call the insurance company to check the premium. If the quoted price exceeds the normal range, you can ask what the reason is.
Wang Meng also reminded car owners to equip the car with a broken window hammer, especially when extreme weather occurs. I hope everyone will pay more attention to it.
For the driver of an electric car, Sun Chuancai reminded that when crossing the wading road and not knowing what obstacles are under the water, it is necessary to advance slowly at a constant speed in the early stage. If you drive to the surface of the water and feel that the bottom is hit, and the sound is relatively strong, it is best to turn off the vehicle at this time and move away from the vehicle immediately and wait for rescue.
In addition, Sun Chuancai does not recommend that car owners open the cabin to check, or touch under the battery with their hands to check, so as to avoid unnecessary personal injury due to short-circuit burning of the battery.
Experts also suggest that car owners configure auto insurance when buying a car, which can effectively reduce losses when risks occur.
Finally, Wu Xingcai also pointed out that the catastrophe also has an impact on personal real estate, but at present, in addition to car insurance protection, there are not many people who buy insurance for home real estate. In addition to car insurance and home property insurance, he also advises everyone to It is good to add a safeguard for your own personal risks.
Reporter|Tu Yinghao Edit|Liao Dan Lu Xiangyong Du Hengfeng Wang Jiaqi
Proofreading|Sun Zhicheng
｜Daily Economic News nbdnews Original Article｜
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