If your car is flooded and you want to make a claim, do you need a "heavy rain certificate"?
Recently, Mr. Yang, a citizen of Luohe, Henan, successfully obtained vehicle loss insurance. He is very grateful to the insurance company for its assistance in vehicle rescue and quick claim settlement. However, in the process of claims settlement, the question of whether the Meteorological Bureau needs to issue a severe weather certificate has aroused discussion in Luohe City. ?
At around 10 pm on April 11 this year, Mr. Yang, a Luohe citizen, drove through a railway culvert in Longcheng Town, Yancheng District. It was raining heavily outside the car and the sky was dark. When he drove into the culvert, When he arrived, he found that the water was very deep. Since the car could no longer be backed out, Mr. Yang rolled down the window and climbed to the roof of the car. ?
The rain quickly entered Mr. Yang’s car. Since the incident occurred in a sparsely populated rural railway culvert and it was late at night, Mr. Yang sat on the roof of the car all night. ?
Subsequently, insurance company staff arrived and conducted an on-site inspection. Mr. Yang's family also came, found a rescue vehicle, and fished out the car that was trapped in the water. ?
Afterwards, the insurance company stated that it would compensate for the entire cost of repairing the car. Subsequently, the damaged vehicle was sent to the 4S shop for repairs, which cost approximately more than 40,000 yuan. ?
When the car was repaired at the 4S store in early June, Mr. Yang went to the insurance company to discuss how to settle the claim. At this time, the insurance company suddenly asked him to issue a "heavy rain certificate", which made Mr. Yang confused. . ?
The staff of the insurance company explained that because insurance is responsible for compensation, the responsible party must be identified, including natural disasters and weather. It cannot just be said by the customer, but also needs to provide evidence. This is also for To avoid moral hazard in insurance compensation, this proof needs to be filed. ?
Who can I ask for the "Heavy Rain Certificate"? The insurance company said that you can ask the meteorological department to issue this certificate. On the afternoon of June 14, Mr. Yang asked a friend to find the Luohe Meteorological Bureau and get this certificate. We see that the certificate reads: "According to the meteorological data of Luohe National Meteorological Observation Station of Luohe Meteorological Bureau, from 23:00 on April 11 to 20:00 on April 12, 2018, a heavy rain occurred in our city, with a precipitation of 56.4 mm. This is to certify.”?
After the certificate was issued, the insurance company’s claim was received on June 28. ?
On July 3, I contacted the relevant person in charge of the Business Section of Luohe Meteorological Bureau. The person in charge said that the so-called "heavy rain certificate" is also a "meteorological certificate". In normal business, they I also encountered many people who came to ask for a "weather certificate". For example: some developers delayed the delivery of properties due to weather, so they entrusted lawyers to come and ask them to issue a certificate. ?
We interviewed several insurance companies in Luohe City and found that they have different requirements on whether they need to issue a meteorological certificate. ?
Some insurance companies say that for some vehicle damage caused by natural disasters, a meteorological certificate is required, while for others, if it is confirmed from the damage traces that it was caused by a natural disaster, a meteorological certificate is not required. This depends on the type of meteorological disaster.
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Content source: ifeng.com