Core Viewpoint - The article highlights the significant impact of recent heavy rainfall in Beijing, with insurance institutions receiving over 5,000 claims and estimated losses exceeding 150 million yuan [2][4]. Group 1: Insurance Claims and Losses - As of August 3, insurance institutions in Beijing have received a total of 5,330 claims related to the heavy rainfall, with an estimated loss amounting to 154.65 million yuan [4]. - 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 [4]. Group 2: Emergency Response and Services - Beijing insurance companies have established a green channel for claims during the flood season and introduced a "three-free service" for submerged vehicles, which includes no on-site inspection, no meteorological proof required, and free accident rescue [7][8]. - The financial regulatory authority has mandated insurance companies to promptly assess damages and expedite claims processing in response to the disaster [5][8]. Group 3: Weather Alerts and Public Safety - The meteorological department issued a red alert for heavy rain on August 4, predicting significant rainfall across various districts, with some areas expecting over 150 mm of rain within six hours [10][11]. - Multiple scenic spots in Beijing have temporarily closed to ensure visitor safety due to the severe weather conditions [15][19][27].

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].

Group 1 - Severe flooding in Beijing's Miyun and Huairou districts has led to significant insurance claims, with a total of 3,448 reports and estimated losses of 80.13 million yuan as of July 30 [1] - The insurance claims include 2,176 vehicle insurance claims with estimated losses of 46.03 million yuan, 165 agricultural insurance claims with losses of 5.38 million yuan, and 905 home insurance claims with losses of 2.89 million yuan [1] - Insurance companies have deployed 1,954 claims personnel and 1,753 rescue vehicles to assist in the disaster response, successfully rescuing 643 vehicles [1] Group 2 - Multiple insurance companies activated emergency response plans to provide rapid assistance to affected individuals, ensuring quick and convenient support for disaster victims [2] - Ping An Property & Casualty initiated a no-difference rescue operation, offering assistance regardless of whether clients had vehicle insurance or were insured by Ping An [2] - A 24-hour claims green channel was established, simplifying claims processes by waiving certain documentation requirements and providing advance payments for vehicle losses [2] Group 3 - PICC Beijing has coordinated with local agricultural and forestry authorities to assess damages from mudslides and landslides, preparing to utilize satellite remote sensing technology for large-scale claims [3] - The company has implemented measures to expedite claims processing for small cases and initiated advance payments for confirmed losses in larger cases [3] - Anhua Agricultural Insurance has proactively contacted farmers to provide claims guidance and disaster response advice, sending out 7,773 warning messages [3] Group 4 - The Beijing Financial Regulatory Bureau encourages consumers to utilize insurance mechanisms for risk prevention, highlighting the importance of various insurance products during flood season [4] - Consumers are advised to read insurance terms carefully and to seek professional assistance when accidents occur during adverse weather conditions [4] - Timely claims applications are emphasized, especially for vehicle loss insurance, which now covers damages from natural disasters like floods [4]

Group 1 - Beijing has officially entered the main flood season, commonly referred to as "July down, August up" [1] - The Beijing Financial Regulatory Bureau emphasizes the importance of understanding emergency evacuation knowledge and disaster prevention measures [1] - During urban flooding, individuals should be cautious of manhole covers and drainage systems, and avoid areas with surface vortices [1] Group 2 - The Beijing Financial Regulatory Bureau advises the reasonable use of insurance rescue services, especially for those with vehicle damage insurance [2] - The vehicle damage insurance now covers losses caused by natural disasters such as earthquakes, heavy rain, and typhoons following the comprehensive reform of car insurance [2] - Insurance companies in Beijing have established a green channel for claims during the flood season and introduced a "three exemptions service" for flooded vehicles, which includes exemption from on-site inspection, meteorological proof, and free accident rescue [2]