Auto insurance: "Water-related insurance" is not necessary.
There are countless cases in which trees hit cars and cars were flooded in rainy days. Under normal circumstances, ordinary car damage insurance is ok, but for some special losses, you may have to resort to "partial door" insurance.
Qiu, the claim department of China Life Insurance Company, reminded the public that if the vehicle is hit by trees and other objects, the car body and the glass are lost at the same time, the car damage insurance can claim compensation. But if only the glass is damaged, you can only pay for it by buying a separate glass insurance. How about China Life? I just sorted out the relevant contents, hoping to help you: How about China Life? Top Ten Life Insurance Products Ranking List!
"Water-related insurance" is also one of the vehicles concerned by the public, which mainly compensates for the engine loss caused by improper operation of the owner. However, Ms. Zhao, an auto insurance business person of Foshan Branch, told the news media that although there are only a few hundred "water-related insurance", it is not necessary for many people to follow suit. How about PICC? I just sorted out the relevant contents, hoping to help you: What about PICC in China? PICC Top Ten Insurance Products List!
She believes that if the engine is forcibly started, resulting in engine damage, water-related insurance claims will depend on the situation, and there is no guarantee that full compensation will be made. However, if the owner starts the engine twice, the loss caused by the flooded car can be compensated by ordinary car damage insurance. She suggested that the owner take photos immediately after the car was flooded, both inside and outside the car, and then call the insurance company. So the insurance company will handle it. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
McGrady, the owner of the garage, agrees. He recalled that in 20 12, the residential building opposite Foshan Radio and TV University was seriously flooded. He went to the scene to tow the car back to the factory for repair. Generally, as long as the battery is removed in time, dried and cleaned, there will be no problem.
Many citizens ask whether the insurance company will compensate if the vehicle is not parked at the designated location when it is smashed. Many local insurance companies have replied that the claim has nothing to do with the parking place, and you can apply for compensation no matter where the car is parked or on the side of the road.
Family property insurance: laptops will not be compensated if they are immersed in water.
Flooding of houses and factories caused by storms is also more common. Fan Xinxin, who lives in the south of Guicheng, told the news media that 1 month ago, she forgot to close the window of her study when she went to work. In the afternoon, it suddenly rained heavily, the curtain connecting rod in the study was blown off together, and the computer on the table by the window was almost damaged by the rain. She asked: "If the property loss is caused by negligence in closing the window, can the buyer's property insurance compensate?"
Mr. Deng from Foshan Lecong Shuiteng Furniture Factory is worried about his business: "The air humidity is high in rainy days, and mahogany furniture is prone to mildew in too humid places."
The news media asked Manager Lin of China Life Foshan Branch as a citizen. He said that if the insured forgets to close the window due to negligence, rainy days, fires and other accidents to a certain extent, the general loss of property insurance can be settled.
However, he reminded that family property insurance, gold and silver jewelry, stamps, money, computers, laptops and other valuables on the market were not damaged. Regarding Mr. Deng's situation, he said that moldy mahogany furniture property insurance is usually not compensated, just like rust on iron, these phenomena are usually considered as natural phenomena.
Manager Lin also specially reminded that if the flowerpots on the windowsill hit people in the middle of the road, causing injuries to passers-by, you need to buy third-party liability insurance on the basis of home property insurance to get compensation.
Flight delay insurance: proof of delay is required.
Bad weather such as typhoons can easily lead to flight delays. Miss Cai, a citizen, recently flew from Nanjing to Guangzhou, and the flight was delayed due to the weather. The insurance she bought includes flight delay insurance. After returning to Foshan, I went to the insurance company to claim compensation and was asked to show the airport delay certificate. Her airline asked me to go to Nanjing airport to issue a delay certificate in person. Miss Cai can only give up the claim
Many insurance companies have introduced flight delay insurance, but many passengers don't understand it. In fact, the procedure of claiming for flight delay is not complicated. The required materials only include: boarding pass, copy of ID card, copy of bank card and airline delay certificate. Proof of delay is particularly important. The safest way is to find the check-in counter of my flight at the airport and issue a flight delay certificate after confirming that the flight delay meets the claim standard.
Flight delay insurance does not have to be purchased separately. The news media can see from official website of Air China, China Southern Airlines and China Eastern Airlines that when booking air tickets, all three airlines choose to buy aviation accident insurance in 20 yuan, including flight delay protection. If you have a platinum credit card, generally speaking, you will get aviation accident insurance and aviation delay insurance by swiping your card to buy a ticket under your name. Many banks' aviation co-branded credit cards also have aviation accident insurance and aviation delay insurance as long as they swipe their cards to buy tickets under their own names.
Bao Ge Tip: To sum up, in the face of typhoon hazards, "water insurance" does not have to be bought when buying auto insurance. When buyers buy property insurance, they should know that laptops will not be compensated for water. Here, consumers should be reminded that they should choose according to their actual situation when they apply for insurance, and beware of being deceived.