Group 1 - The article discusses a recent court case in Fuzhou, where an insurance company was ordered to compensate a vehicle owner for damages caused by flooding during a natural disaster, despite the vehicle being in a repair shop at the time of the incident [1][2] - The court ruled that the cause of the damage was the natural disaster (heavy rain) and not the vehicle's location during maintenance, which aligns with the principles of insurance liability [1][2] - The importance of commercial vehicle insurance is highlighted, especially as it now includes coverage for water damage due to natural disasters, which was previously a separate policy [2][3] Group 2 - The article outlines three scenarios where insurance claims for water-damaged vehicles may be denied: restarting the engine after water exposure, failure to meet inspection requirements, and engaging in illegal activities such as driving under the influence [3][4] - It notes that the claims process for both fuel and electric vehicles is similar, but the assessment standards differ, particularly for electric vehicles which may have higher repair costs and a greater likelihood of being deemed a total loss [3][4] - The article emphasizes the increase in insurance claims due to flooding during the critical flood prevention period and advises vehicle owners on the proper steps to take when filing a claim after such incidents [4]

Core Viewpoint - A rare severe convective weather event in Beijing on May 13 caused significant damage, particularly from hail, leading to a surge in insurance claims related to vehicle damage [1][2]. Group 1: Insurance Claims and Regulations - On May 14, a certain insurance company processed 11,000 claims related to hail damage, indicating the severity of the situation [1]. - According to the China Insurance Industry Association's Motor Vehicle Commercial Insurance Model Clauses (2020), hail is classified as a natural disaster covered under vehicle damage insurance [3]. - Vehicle owners must report claims within 48 hours to avoid potential reductions in compensation, and they should provide evidence such as photos and meteorological reports [3][4]. Group 2: Recommendations for Vehicle Owners - Vehicle owners are advised to purchase vehicle damage insurance as it covers various natural disasters and accidents, including hail damage [3]. - For older vehicles, it is recommended to add "glass breakage insurance," and owners in high-risk areas should consider "engine water damage insurance" [3]. - Choosing a "0 deductible" product is suggested to avoid out-of-pocket expenses for minor claims [3]. Group 3: Special Situations and Claim Process - Some insurance companies do not count a single claim for natural disasters against the number of claims, but multiple claims may lead to increased premiums [4]. - The Beijing Financial Court provided four key tips for the claims process, emphasizing the importance of documentation and timely reporting [5][6].