汛期防范，北京金融监管局为北京普惠家财保“带货”

Core Viewpoint - The Beijing Financial Regulatory Bureau emphasizes the importance of disaster preparedness and insurance utilization during the flood season, urging consumers to focus on personal safety, property protection, and effective use of insurance services [1][2][3][4] Group 1: Focus on Personal Safety - Insurance consumers are encouraged to enhance their knowledge of flood prevention and emergency response through various official channels [1] - It is advised to stay updated on weather forecasts and disaster warnings, minimizing travel during severe weather conditions [1] - In extreme weather, individuals should take precautions such as avoiding flooded areas and being aware of potential hazards like downed power lines and falling debris [1] Group 2: Focus on Property Protection - Consumers should protect their vehicles by avoiding parking in flood-prone areas and seeking higher ground during heavy rain [2] - During extreme weather, it is recommended to secure windows and remove potential hazards from balconies, while farmers should reinforce agricultural structures to mitigate damage [2] - Businesses are advised to inspect their properties for risks and ensure adequate flood prevention supplies are available [2] Group 3: Focus on Insurance Service Utilization - Consumers are encouraged to leverage insurance products such as accident, vehicle, home, agricultural, and enterprise property insurance for comprehensive coverage during the flood season [3] - It is important to read insurance policy terms carefully to understand coverage and exclusions, ensuring better protection during claims [3] - In case of an accident or vehicle breakdown, consumers should contact their insurance provider for assistance while prioritizing personal safety [3] Group 4: Timely Insurance Claims - The vehicle insurance reform has expanded coverage to include damages from natural disasters like floods, urging consumers to report claims promptly [4] - Insurance companies in Beijing have established a green channel for flood-related claims and offer services such as waiving on-site inspections and meteorological proof requirements [4] - For personal injuries occurring on public transport, insurance companies may cover compensation if the operator has liability insurance [4]