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]