Core Insights - The article discusses the impact of Typhoon "Hagupit" on vehicle owners in Shenzhen, highlighting the insurance industry's response and the measures taken to mitigate risks for car owners [1][2][3]. Group 1: Typhoon Impact and Insurance Response - As of August this year, Shenzhen's vehicle ownership exceeded 4.6 million, with significant concerns for car owners during typhoon events due to risks of flooding and damage [1]. - Typhoon "Hagupit" is expected to be one of the most severe typhoons since "Mangkhut" in 2018, with past events leading to substantial insurance claims, including 11,167 reports and estimated losses of 146 million yuan during "Mangkhut" [2]. - The insurance industry in Shenzhen has activated emergency response mechanisms, including a "1+N" flood and typhoon prevention system, with multiple companies opening green claims channels to expedite the claims process [1][3]. Group 2: Insurance Products and Risk Management - New insurance products like "Shenzhen Huijia Bao" have been launched to cover common risks such as typhoons and floods, aimed at enhancing public awareness and risk management capabilities [4]. - Insurance companies are utilizing various communication methods to alert clients about typhoon risks and provide disaster preparedness guidance, ensuring a coordinated response with repair shops and towing services [3]. - Technological advancements, such as the "Car Insurance Waterlogging Black Spot" warning service, are being employed to help car owners identify high-risk areas during severe weather events [5]. Group 3: Claims Process and Vehicle Safety - Car owners are advised to avoid unnecessary travel during typhoons and to take precautions, such as not restarting engines if they have stalled due to water [5][6]. - Insurance coverage for vehicles affected by flooding includes compensation for damage to electric vehicle components, with specific guidelines for handling submerged vehicles [6].

Core Viewpoint - Shenzhen is leveraging advanced technology, including drones and cloud systems, to effectively respond to the annual typhoon "Hua Jasha" and mitigate disaster risks [1][2]. Group 1: Insurance Industry Preparedness - The Shenzhen insurance industry has activated emergency response mechanisms in anticipation of the typhoon, implementing a comprehensive "1+N" flood and typhoon prevention strategy [2][4]. - Major insurance companies, including Ping An Property & Casualty, China Pacific Insurance, and others, have launched immediate response measures focusing on risk assessment, technological empowerment, and key protective actions [2][3][4]. Group 2: Specific Actions by Insurance Companies - Ping An Property & Casualty has organized a special inspection team to assess 59 flood-prone areas, utilizing drones for aerial surveillance and public safety announcements [3]. - Ding He Property & Casualty initiated a Level I response to major weather disasters, identifying 8,330 risky projects and sending out 10,700 safety messages through their customer service hotline [4]. - China Pacific Insurance has formed a youth emergency response team and enhanced their disaster response capabilities in light of the typhoon's characteristics [4]. Group 3: Life Insurance Companies' Response - Life insurance companies, such as China Life and Minsheng Insurance, have activated emergency plans, offering green channels for claims and simplifying procedures for clients affected by the typhoon [7][8]. - Tencent Weibo, as an internet insurance intermediary, has also initiated a rapid response mechanism, providing disaster guidance and claims assistance to clients [8]. Group 4: Industry-Wide Coordination - The Shenzhen Insurance Association has coordinated efforts across the industry to strengthen typhoon defenses, sending out 2.77 million risk warning messages and identifying 975 flood-prone areas for monitoring [8]. - The industry has prepared significant resources, including 464 inspection tools, 600 rescue devices, and 745 rescue vehicles, to ensure effective disaster response [8].