特大暴雨后，保险怎么赔？新一轮红色预警来了！

Core Viewpoint - The insurance sector in Beijing has received over 5,000 claims related to the recent heavy rainfall, with estimated losses exceeding 150 million yuan [1][2]. Group 1: Insurance Claims and Losses - As of August 3, 2023, insurance institutions in Beijing have accepted a total of 5,330 claims due to the heavy rainfall, with an estimated loss amounting to 154.65 million yuan [2]. - Breakdown of claims includes: 3,034 vehicle insurance claims with losses of 73.23 million yuan; 286 agricultural insurance claims with losses of 9.64 million yuan; 1,670 home insurance claims with losses of 4.95 million yuan; and 340 other property insurance claims with losses of 66.83 million yuan [2]. - A total of 1,105 rescue vehicles have been dispatched by insurance institutions in the region [2]. Group 2: Emergency Response and Services - The Beijing Financial Regulatory Bureau has opened a green channel for claims during the flood season and introduced a "three exemptions" service for submerged vehicles, which includes exemption from on-site inspection, meteorological proof, and free accident rescue [3]. - Consumers are advised to utilize insurance rescue services and contact their insurance companies for assistance in case of accidents or vehicle breakdowns during the flood [3]. Group 3: Weather Warnings and Public Safety - The meteorological department has issued a red rainstorm warning for Beijing, predicting heavy rainfall in various districts, with some areas expecting over 150 mm of rain within six hours [5][6]. - The city has activated a level two emergency response for flood control, with some districts implementing a level one response, advising residents to avoid unnecessary outings [8]. - Multiple scenic areas in Beijing have temporarily closed to ensure visitor safety due to the severe weather conditions [9][10][12][20].