Do you need to issue a "rainstorm certificate" to claim compensation for the flooded car?

Recently, Mr. Yang, a citizen of Luohe, Henan Province, successfully obtained vehicle loss claim insurance. He is very grateful to the insurance company for its assistance and help in vehicle rescue and claim settlement. However, whether it is necessary for the Meteorological Bureau to issue a certificate of bad weather in claims settlement has caused discussion in Luohe City. ?

On the afternoon of April this year 1 10, Mr. Yang, a citizen of Luohe, drove past a railway culvert in Longcheng Town, Yancheng District. It was raining heavily outside the car and it was dark. When he drove into the culvert, he found that the water was already deep. As the car could not be poured out, Mr. Yang rolled down the window and climbed to the roof. ?

The rain quickly entered Mr. Yang's car. As the incident was located in a sparsely populated rural railway culvert, and it was already late at night, Mr. Yang sat on the roof of the car all night. ?

Subsequently, the staff of the insurance company arrived and conducted on-site investigation. Mr. Yang's family also came, found the rescue vehicle and fished out the car trapped in the water. ?

Afterwards, the insurance company said that it would compensate all the repair costs. Subsequently, the damaged vehicle was sent to the 4S shop for maintenance, and the maintenance cost was about 40,000 yuan. ?

At the beginning of June, the car was repaired in the 4S shop, and Mr. Yang found the insurance company to discuss how to settle the claim. At this time, the insurance company suddenly asked him to issue a "rainstorm certificate", which made Mr. Yang confused. ?

The staff of the insurance company explained that because insurance is responsible for compensation, it is necessary to identify the responsible party, including natural disaster weather, not only by customers, but also to produce evidence, which is also to avoid moral hazard in insurance compensation, and this proof needs to be filed. ?

Who is the "rainstorm certificate" looking for? 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 Luohe Meteorological Bureau and got this certificate. We saw that the certificate said: "According to the meteorological data of Luohe National Meteorological Observatory of Luohe Meteorological Bureau, it is hereby certified that there was a rainstorm in our city from 20: 00 on April 201KLOC-0/2." ?

After issuing the certificate, on June 28, I received the claim payment from the insurance company. ?

On July 3, I contacted the relevant person in charge of the business department of Luohe Meteorological Bureau. The person in charge said that the so-called "rainstorm certificate" is also a "meteorological certificate". In their usual business, they also met many people who came to ask for "weather certificates". For example, some developers delay the delivery of houses because of the weather, so they entrust lawyers to come over and ask them to open a certificate. ?

I interviewed several insurance companies in Luohe City, and they have different requirements on whether it is necessary to issue meteorological certificates. ?

Some insurance companies say that some vehicles damaged by natural disasters need meteorological certificates, and some are confirmed to be caused by natural disasters from the damage traces, so they do not need meteorological certificates. It depends on the type of meteorological disaster. ?

Content source: Phoenix Net