福清报险车辆已超万部！保险公司回应→
<section class="mp_profile_iframe_wrp" data-mpa-powered-by="yiban.io"><mp-common-profile class="custom_select_card mp_profile_iframe" data-pluginname="mpprofile" data-weuitheme="light" data-id="MzAwMzY1NTQ4Mw==" data-headimg="https://www.fqlook.cn/plugin.php?id=wcn_editor:wx_img&url=http://mmbiz.qpic.cn/mmbiz_png/wnHzB2hPONpVHhyib0gC37Lib0tuibwSa69umQZThNaLDTIcDQaLv9XwWWH6iaFodsgx4bZK18BafkztPuJeMBeiciaw/0?wx_fmt=png" data-nickname="壹福清" data-alias="efuqing" data-signature="壹福清是福清官方新闻平台，我们每天推送福清最权威信息。" data-from="0"></mp-common-profile><span style="font-size: var(--articleFontsize);letter-spacing: 0.034em;"></span></section><p></p><section><section><section><section><section style="margin-bottom:unset;"><section style="text-align: center;line-height: 2em;"><span style="font-size: 16px;color: rgb(62, 62, 62);letter-spacing: 2px;">受台风“海葵”影响</span></section><section style="text-align: center;line-height: 2em;"><span style="font-size: 16px;color: rgb(62, 62, 62);letter-spacing: 2px;"><span style="font-size: 16px;letter-spacing: 2px;text-align: center;">暴雨席卷</span>福清</span></section><section style="text-align: center;line-height: 2em;"><span style="font-size: 16px;color: rgb(62, 62, 62);letter-spacing: 2px;">许多车辆被困在水中、遭遇水淹</span></section><section style="text-align: center;line-height: 2em;"><span style="font-size: 16px;color: rgb(62, 62, 62);letter-spacing: 2px;">甚至直接被冲走</span></section><section style="text-align: center;line-height: 2em;"><span style="color: rgb(217, 33, 66);"><strong><span style="font-size: 16px;letter-spacing: 2px;">截至9月8日上午</span></strong></span></section><section style="text-align: center;line-height: 2em;"><span style="color: rgb(217, 33, 66);"><strong><span style="font-size: 16px;letter-spacing: 2px;">福清全市报险车辆已超万部</span></strong></span><span style="font-size: 16px;letter-spacing: 2px;color: rgb(255, 41, 65);"></span></section></section><section style="margin-bottom:unset;"></section><section data-support="96编辑器" data-style-id="45752" style="width:95%;margin-left:auto;margin-right:auto;margin-bottom:unset;" data-width="95%"><section style="margin-top: 10px;margin-bottom: 10px;"><section style="border-top: 1px solid rgb(91, 226, 255);border-right: 1px solid rgb(91, 226, 255);border-left: 1px solid rgb(91, 226, 255);padding: 15px;border-radius: 15px;border-bottom: none;margin-bottom: unset;"><section style="background-color: rgb(245, 252, 255);padding: 20px;margin-bottom: unset;"><section style="font-size:14px;letter-spacing:2px;line-height:1.75;margin-bottom:unset;"><section style="line-height: 2em;text-indent: 0em;"><span style="font-size:16px;">记者了解到，目前全省保险行业协会已统筹制定了<strong><span style="font-size: 16px;color: rgb(217, 33, 66);">大灾赔付的统一标准</span></strong>，福清辖区内的所有保险机构将严格执行，确保公平公正准确地完成全部理赔工作。</span></section><section style="line-height: 2em;text-indent: 0em;"><span style="font-size:16px;">9月8日，人保财险福清支公司副经理郁文卓就大家关心的车辆泡水的热点问题作出回应。</span></section></section></section></section><section style="display:flex;justify-content:flex-end;align-items:center;margin-right:35px;margin-top:-4px;margin-bottom:unset;"><section style="width: 8px;height: 8px;border-radius: 50%;border-width: 1px;border-style: solid;border-color: rgb(255, 195, 24);margin-right: 5px;margin-bottom: unset;"><br/></section><section style="width:50%;height:1px;background-color:rgb(91, 226, 255);margin-bottom:unset;" data-width="50%"><br/></section></section></section></section><section style="margin-bottom:unset;"><section class="channels_iframe_wrp wxw_wechannel_card_not_horizontal"><mp-common-videosnap class="js_uneditable custom_select_card channels_iframe videosnap_video_iframe" data-pluginname="mpvideosnap" data-url="https://findermp.video.qq.com/251/20304/stodownload?encfilekey=oibeqyX228riaCwo9STVsGLIBn9G5YG8ZnbWdZhH0vpPYHNVgl9sZLIvWduvGibG4JtiaJrlWibzC0qeqIZyBC9Bz91FBibDEzwljq9647MTZNUcyyRRezgwJiaBTT72MSvNVJz0UV8a4QLvww&bizid=1023&dotrans=0&hy=SZ&idx=1&m=a8322be19ed459d98571b556ed4d44f6&token=x5Y29zUxcibDcCQwbg3fH1N0nkt0PjEBvXb3r3I0hVbWTpVFJwhxwl0oIWbjGC3l3SQq3GQuxJAo" data-headimgurl="http://wx.qlogo.cn/finderhead/7mk4qPiasj1rAfHZicQRMTXicyXqvEhicC41HEibIynKnUyw/0" data-username="v2_060000231003b20faec8c4e0881fcad6cc07ea31b07767756494b023983807b417971814e2d4@finder" data-nickname="壹福清" data-desc="车子被水淹了保险赔不赔？怎么赔？福清车主看过来！（记者：陈川 审核：张晨 钟鹰）" data-nonceid="1051313682897319279" data-type="video" data-mediatype="undefined" data-authiconurl="https://dldir1v6.qq.com/weixin/checkresupdate/icons_filled_channels_authentication_enterprise_a2658032368245639e666fb11533a600.png" data-from="new" data-width="1080" data-height="1920" data-id="export/UzFfAgtgekIEAQAAAAAADScD9ZUIQwAAAAstQy6ubaLX4KHWvLEZgBPEpKMIK0YmIPmGzNPgMIsfY63yrZUrF2VQqagDWNTM" data-isdisabled="0" data-errortips=""></mp-common-videosnap></section></section><section style="margin-bottom:unset;"><p><br/></p></section><section style="margin-bottom:unset;"></section><section data-support="96编辑器" data-style-id="37707" style="width:95%;margin-left:auto;margin-right:auto;margin-bottom:unset;" data-width="95%"><section style="margin-top: 10px;margin-bottom: 10px;text-align: right;"><section style="display:flex;justify-content:center;align-items:flex-start;margin-bottom:unset;"><section style="background-color:rgb(78, 157, 253);margin-bottom:unset;transform:rotateZ(0deg);-webkit-transform:rotateZ(0deg);-moz-transform:rotateZ(0deg);-ms-transform:rotateZ(0deg);-o-transform:rotateZ(0deg);"><section style="font-size: 18px;color: rgb(255, 255, 255);padding: 3px 10px;margin-bottom: unset;"><p><strong>问</strong></p></section></section><section style="width:95%;margin-left:-12px;margin-top:12px;margin-bottom:unset;" data-width="95%"><section style="background-color:rgb(236, 245, 255);margin-bottom:unset;"><section style="padding: 4px 20px 4px 25px;color: rgb(78, 157, 253);letter-spacing: 2px;font-size: 18px;margin-bottom: unset;"><p style="text-align: left;line-height: 2em;"><span style="font-size: 16px;"><strong>水淹车是否属于车损险的保险责任？</strong></span></p></section></section></section></section><section style="margin-top: 10px;background-color: rgb(78, 157, 253);display: inline-block;transform: rotateZ(0deg);"><section style="font-size: 18px;color: rgb(255, 255, 255);padding: 3px 10px;margin-bottom: unset;"><p><strong>答</strong></p></section></section><section style="background-color:rgb(236, 245, 255);margin-right:12px;margin-top:-20px;margin-bottom:unset;"><section style="padding: 20px 14px;margin-bottom: unset;"><section style="color:rgb(50, 50, 50);letter-spacing:2px;font-size:14px;line-height:1.75em;text-align:justify;margin-bottom:unset;transform:rotateZ(0deg);-webkit-transform:rotateZ(0deg);-moz-transform:rotateZ(0deg);-ms-transform:rotateZ(0deg);-o-transform:rotateZ(0deg);"><p style="line-height: 2em;"><span style="font-size:16px;">车险综改后，涉水责任包含在车损险范围内。因此，车主不必单独投保涉水险就可以享受到理赔。</span></p></section></section></section></section></section><section style="margin-bottom:unset;"></section><section data-support="96编辑器" data-style-id="37707" style="width:95%;margin-left:auto;margin-right:auto;margin-bottom:unset;" data-width="95%"><section style="margin-top: 10px;margin-bottom: 10px;text-align: right;"><section style="display:flex;justify-content:center;align-items:flex-start;margin-bottom:unset;"><section style="background-color:#4e9dfd;margin-bottom:unset;"><section style="font-size: 18px;color: rgb(255, 255, 255);padding: 3px 10px;margin-bottom: unset;"><p><strong>问</strong></p></section></section><section style="width:95%;margin-left:-12px;margin-top:12px;margin-bottom:unset;" data-width="95%"><section style="background-color:#ecf5ff;margin-bottom:unset;"><section style="padding: 4px 20px 4px 25px;color: rgb(78, 157, 253);letter-spacing: 2px;font-size: 18px;margin-bottom: unset;"><p style="text-align:left;line-height:2em;"><span style="font-size: 16px;"><strong>都是水淹车，有什么区别吗？</strong></span></p></section></section></section></section><section style="margin-top: 10px;background-color: rgb(78, 157, 253);display: inline-block;transform: rotateZ(0deg);"><section style="font-size: 18px;color: rgb(255, 255, 255);padding: 3px 10px;margin-bottom: unset;"><p><strong>答</strong></p></section></section><section style="background-color:#ecf5ff;margin-right:12px;margin-top:-20px;margin-bottom:unset;"><section style="padding: 20px 14px;margin-bottom: unset;"><section style="color:#323232;letter-spacing:2px;font-size:14px;line-height:1.75em;text-align:justify;margin-bottom:unset;"><p style="line-height: 2em;"><span style="font-size:16px;">车辆被水淹分为<strong>动态进水</strong>和<strong>静态进水</strong>两种情况。</span></p><p style="line-height: 2em;"><span style="font-size:16px;"><br/></span></p><p style="line-height: 2em;"><strong><span style="font-size:16px;">动态进水</span></strong><span style="font-size:16px;">是指驾驶员驾驶车辆在积水路面行驶时因主观上对水淹高度估计不足，导致发动机舱、驾驶室内部进水，常见的损失情况如发动机进水熄火或二次启动导致严重机械损伤。<strong><span style="color: rgb(0, 128, 255);">应注意：如车辆涉水行驶途中发动机熄火，车主千万不可二次启动，避免发动机扩大损失。</span></strong></span></p><p style="line-height: 2em;"><strong><span style="font-size:16px;">静态进水</span></strong><span style="font-size:16px;">是指车辆在停放过程中，因所处地势排水不畅形成积水，导致车辆部分被水浸泡或整体被水淹没，车辆大部分内饰、电器元件长时间被水浸泡损坏。</span></p><p style="line-height: 2em;"><span style="font-size:16px;"><br/></span></p></section></section></section></section></section><section style="margin-bottom:unset;"></section><section data-support="96编辑器" data-style-id="37707" style="width:95%;margin-left:auto;margin-right:auto;margin-bottom:unset;" data-width="95%"><section style="margin-top: 10px;margin-bottom: 10px;text-align: right;"><section style="display:flex;justify-content:center;align-items:flex-start;margin-bottom:unset;"><section style="background-color:#4e9dfd;margin-bottom:unset;"><section style="font-size: 18px;color: rgb(255, 255, 255);padding: 3px 10px;margin-bottom: unset;"><p><strong>问</strong></p></section></section><section style="width:95%;margin-left:-12px;margin-top:12px;margin-bottom:unset;" data-width="95%"><section style="background-color:#ecf5ff;margin-bottom:unset;"><section style="padding: 4px 20px 4px 25px;color: rgb(78, 157, 253);letter-spacing: 2px;font-size: 18px;margin-bottom: unset;"><p style="text-align:left;line-height:2em;"><span style="font-size: 16px;"><strong>水淹车如何定损？</strong></span></p></section></section></section></section><section style="margin-top: 10px;background-color: rgb(78, 157, 253);display: inline-block;transform: rotateZ(0deg);"><section style="font-size: 18px;color: rgb(255, 255, 255);padding: 3px 10px;margin-bottom: unset;"><p><strong>答</strong></p></section></section><section style="background-color:#ecf5ff;margin-right:12px;margin-top:-20px;margin-bottom:unset;"><section style="padding: 20px 14px;margin-bottom: unset;"><section style="color:#323232;letter-spacing:2px;font-size:14px;line-height:1.75em;text-align:justify;margin-bottom:unset;"><p style="line-height:2em;"><span style="font-size:16px;">根据车辆水淹情况及损失程度，保险公司将按照<strong>修复定损</strong>和<strong>推定全损</strong>两种方式定损赔付。</span></p><p style="line-height:2em;"><span style="font-size:16px;"><br/></span></p><p style="line-height: 2em;text-align: center;"><span style="font-size:16px;"><br/></span></p><p style="line-height:2em;"><span style="font-size:16px;"><br/></span></p></section></section></section></section></section><section style="margin-bottom:unset;"></section><section data-support="96编辑器" data-style-id="37707" style="width:95%;margin-left:auto;margin-right:auto;margin-bottom:unset;" data-width="95%"><section style="margin-top: 10px;margin-bottom: 10px;text-align: right;"><section style="display:flex;justify-content:center;align-items:flex-start;margin-bottom:unset;"><section style="background-color:#4e9dfd;margin-bottom:unset;"><section style="font-size: 18px;color: rgb(255, 255, 255);padding: 3px 10px;margin-bottom: unset;"><p><strong>问</strong></p></section></section><section style="width:95%;margin-left:-12px;margin-top:12px;margin-bottom:unset;" data-width="95%"><section style="background-color:#ecf5ff;margin-bottom:unset;"><section style="padding: 4px 20px 4px 25px;color: rgb(78, 157, 253);letter-spacing: 2px;font-size: 18px;margin-bottom: unset;"><p style="text-align:left;line-height:2em;"><span style="font-size: 16px;"><strong>如果车辆被洪水冲走，可以赔吗？</strong></span></p></section></section></section></section><section style="margin-top: 10px;background-color: rgb(78, 157, 253);display: inline-block;transform: rotateZ(0deg);"><section style="font-size: 18px;color: rgb(255, 255, 255);padding: 3px 10px;margin-bottom: unset;"><p><strong>答</strong></p></section></section><section style="background-color:#ecf5ff;margin-right:12px;margin-top:-20px;margin-bottom:unset;"><section style="padding: 20px 14px;margin-bottom: unset;"><section style="color:#323232;letter-spacing:2px;font-size:14px;line-height:1.75em;text-align:justify;margin-bottom:unset;"><p style="line-height:2em;"><span style="font-size:16px;">如果车辆被洪水冲走，只要车主投保了车损险，同样可以得到赔偿。</span></p></section></section></section></section></section><section style="margin-bottom:unset;"></section><section data-support="96编辑器" data-style-id="37707" style="width:95%;margin-left:auto;margin-right:auto;margin-bottom:unset;" data-width="95%"><section style="margin-top: 10px;margin-bottom: 10px;text-align: right;"><section style="display:flex;justify-content:center;align-items:flex-start;margin-bottom:unset;"><section style="background-color:#4e9dfd;margin-bottom:unset;"><section style="font-size: 18px;color: rgb(255, 255, 255);padding: 3px 10px;margin-bottom: unset;"><p><strong>问</strong></p></section></section><section style="width:95%;margin-left:-12px;margin-top:12px;margin-bottom:unset;" data-width="95%"><section style="background-color:#ecf5ff;margin-bottom:unset;"><section style="padding: 4px 20px 4px 25px;color: rgb(78, 157, 253);letter-spacing: 2px;font-size: 18px;margin-bottom: unset;"><p style="text-align:left;line-height:2em;"><span style="font-size: 16px;"><strong>如果车内的财物在暴雨中丢失了，可以赔吗？</strong></span></p></section></section></section></section><section style="margin-top: 10px;background-color: rgb(78, 157, 253);display: inline-block;transform: rotateZ(0deg);"><section style="font-size: 18px;color: rgb(255, 255, 255);padding: 3px 10px;margin-bottom: unset;"><p><strong>答</strong></p></section></section><section style="background-color:#ecf5ff;margin-right:12px;margin-top:-20px;margin-bottom:unset;"><section style="padding: 20px 14px;margin-bottom: unset;"><section style="color:#323232;letter-spacing:2px;font-size:14px;line-height:1.75em;text-align:justify;margin-bottom:unset;"><p style="line-height:2em;"><span style="font-size:16px;">被保险车辆的车内财物不同于车辆本身受损，不能在车损险下得到赔偿，也不属于第三者责任险或其他车险附加险的保险责任。</span></p><p style="line-height:2em;"><span style="font-size:16px;"><strong><br/></strong></span></p><p style="line-height:2em;"><span style="font-size:16px;"><strong>如车主为丢失的财物投保了财物险等其他保险产品的，可以向投保的保险公司咨询理赔事宜。</strong></span><br/></p></section></section></section></section></section><section style="margin-bottom:unset;"></section><section data-support="96编辑器" data-style-id="37707" style="width:95%;margin-left:auto;margin-right:auto;margin-bottom:unset;" data-width="95%"><section style="margin-top: 10px;margin-bottom: 10px;text-align: right;"><section style="display:flex;justify-content:center;align-items:flex-start;margin-bottom:unset;"><section style="background-color:#4e9dfd;margin-bottom:unset;"><section style="font-size: 18px;color: rgb(255, 255, 255);padding: 3px 10px;margin-bottom: unset;"><p><strong>问</strong></p></section></section><section style="width:95%;margin-left:-12px;margin-top:12px;margin-bottom:unset;" data-width="95%"><section style="background-color:#ecf5ff;margin-bottom:unset;"><section style="padding: 4px 20px 4px 25px;color: rgb(78, 157, 253);letter-spacing: 2px;font-size: 18px;margin-bottom: unset;"><p style="text-align: left;"><span style="font-size: 16px;"><strong>水淹车如何理赔？什么流程？多久理赔到位？</strong></span></p></section></section></section></section><section style="margin-top: 10px;background-color: rgb(78, 157, 253);display: inline-block;transform: rotateZ(0deg);"><section style="font-size: 18px;color: rgb(255, 255, 255);padding: 3px 10px;margin-bottom: unset;"><p><strong>答</strong></p></section></section><section style="background-color:#ecf5ff;margin-right:12px;margin-top:-20px;margin-bottom:unset;"><section style="padding: 20px 14px;margin-bottom: unset;"><section style="color:#323232;letter-spacing:2px;font-size:14px;line-height:1.75em;text-align:justify;margin-bottom:unset;"><p style="line-height: 2em;"><span style="font-size:16px;">不同保险公司流程不一样、时间不一样，但都要先联系客服进行报案，后续按照客服提示操作即可。<br/></span></p><p style="line-height: 2em;"><span style="font-size:16px;"><br/></span></p><p style="line-height: 2em;"><span style="font-size:16px;">以人保财险为例，强降雨灾害天气发生后，短时内车险报案量激增，保险公司和维修厂工作任务较重。中国人保针对暴雨灾害，推出<span style="color: rgb(0, 128, 255);"><strong>“三免四快”</strong></span>服务举措。</span></p><p style="line-height: 2em;"><span style="font-size:16px;"><br/></span></p><p style="line-height: 2em;text-align: center;"><span style="font-size:16px;"></span></p><p style="line-height: 2em;"><span style="font-size:16px;"><br/></span></p></section></section></section></section></section><section style="margin-bottom:unset;"></section><section data-support="96编辑器" data-style-id="29198" style="width:95%;margin-left:auto;margin-right:auto;margin-bottom:unset;" data-width="95%"><section style="margin-top: 10px;margin-bottom: 10px;"><section style="width: 1.5em;background-color: rgb(254, 254, 254);padding-right: 3px;padding-left: 3px;display: inline-block;margin-left: 20px;margin-bottom: unset;"></section><section style="margin-top:-4px;margin-bottom:unset;"><section style="background-color: rgb(255, 252, 238);padding: 1px;margin-bottom: unset;"><section style="border-width: 1px;border-style: solid;border-color: rgb(117, 200, 192);margin: -8px 8px;padding: 20px 15px 15px 20px;color: rgb(51, 51, 51);"><section style="letter-spacing: 2px;line-height: 2em;text-indent: 0em;"><span style="font-size: 16px;">“关于广大市民特别关注的水淹车库施救问题，政府部门也已经制定了处理方案，</span><strong><span style="font-size: 16px;color: rgb(217, 33, 66);">我们将在抽水完成之后，统一组织拖车施救，届时也请广大市民配合</span></strong><span style="font-size: 16px;">。”人保财险福清支公司副经理郁文卓告诉记者，目前，市场上谣言多，更有不少黄牛和黑中介，请大家不要道听途说，轻信谣言，以免上当受骗，后期影响维修效率和理赔时效，造成正当利益损失。</span></section></section></section></section><section style="text-align:right;margin-top:-2px;margin-right:20px;margin-bottom:unset;"><section style="width: 1.5em;margin-left: auto;background-color: rgb(254, 254, 254);padding-right: 3px;padding-left: 3px;display: inline-block;margin-bottom: unset;"></section></section></section></section><section style="margin-bottom:unset;"><p style="text-align:center;letter-spacing:2px;line-height:2em;"><span style="font-size:16px;">最后再次强调</span></p><p style="text-align:center;letter-spacing:2px;line-height:2em;"><span style="font-size:16px;">如果车辆停放被泡、过水熄火</span></p><p style="text-align:center;letter-spacing:2px;line-height:2em;"><span style="font-size:16px;">就让它<span style="color: rgb(0, 128, 255);">泡！<span style="font-size:18px;">泡！</span><span style="font-size:20px;">泡！</span></span></span></p><p style="text-align:center;letter-spacing:2px;line-height:2em;"><strong><span style="font-size:16px;color:#ff7faa;">不要二次打火！</span></strong></p><p style="text-align:center;letter-spacing:2px;line-height:2em;"><strong><span style="font-size:16px;color:#ff4f79;">不要二次打火！</span></strong></p><p style="text-align:center;letter-spacing:2px;line-height:2em;"><br/></p></section></section></section></section></section><p></p><h2 style="margin-bottom: 14px;outline: 0px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word;white-space: normal;background-color: rgb(255, 255, 255);line-height: 1.4;text-align: left;"><section style="letter-spacing: 0.54px;color: rgb(111, 111, 111);font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;outline: 0px;max-width: 100%;line-height: 2em;font-size: 14px;text-align: justify;margin-bottom: 0px;white-space: normal;background-color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="color: rgb(136, 136, 136);font-family: 宋体;letter-spacing: 0.54px;">文 陈川 图 福建人保财险</span></section><section style="letter-spacing: 0.54px;color: rgb(111, 111, 111);font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;outline: 0px;max-width: 100%;line-height: 2em;font-size: 14px;text-align: justify;margin-bottom: 0px;white-space: normal;background-color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;"><br/></section></h2><p style="display: none;"><mp-style-type data-value="3"></mp-style-type></p><p><br/></p><link rel="stylesheet" href="//www.fqlook.cn/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_IxR" id="wcn_editor_css"/> 感觉马路上一辆都没少 原来如此保险公司 为什么不让二次打火，难道被泡了车子还能用？ 有钱的人换车也是很容易
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