松江大学城快餐服务

BEIJING, Beijing, August 2 (Reporter Zuo Yukun, Zhang Ni) Recently, under the influence of Typhoon Du Surui, extreme rainfall occurred in many areas. Under the heavy rain, many vehicles were trapped in the water, flooded or even washed away directly.

　　According to the Beijing Supervision Bureau of the State Financial Supervision Administration, as of 8: 00 a.m. on July 31, the property insurance industry in Beijing had received 978 related insurance reports and rescued 65 vehicles and personnel in distress, and the follow-up insurance reporting and handling work was still in progress.

　　For car owners, can their vehicles be compensated if they are flooded? How to protect personal and property safety to the greatest extent?

　　If the vehicle is soaked in water, will the insurance pay?

　　Regarding the question of whether the flooded car can get compensation, the owner who bought the car damage insurance can rest assured.

　　According to the relevant provisions of motor vehicle loss insurance (hereinafter referred to as motor vehicle damage insurance), if the direct loss of motor vehicles caused by natural disasters and accidents is not within the scope of compensation exemption, compensation can be made in accordance with the agreement. Among them, in terms of natural disasters, the scope of compensation includes hail, lightning strikes, storms, rainstorms, floods and many other common natural disasters.

　　Many old drivers may claim "water-related insurance" when their cars are flooded. Wang Guojun, a professor at university of international business and economics Institute of Insurance, told the reporter of Sino-Singapore Finance and Economics: "Now there is no water-related insurance, and it is all in the car damage insurance. Whether the engine of a traditional car is flooded or the battery of a new energy vehicle is damaged, it is counted in the car damage insurance. "

　　Specifically, the Guiding Opinions on Implementing Comprehensive Auto Insurance Reform, which was officially implemented on September 19, 2020, has carried out major reforms in China’s auto insurance. As long as the new insurance users and renewal insurance users after the above time point have included additional risks such as water-related insurance in the car damage insurance, they do not need to be insured separately. Insurance can pay for vehicles wading and soaking in water.

　　The Beijing Supervision Bureau of the State Financial Supervision and Administration Bureau also issued a reminder on July 31: After the comprehensive reform of auto insurance started, the coverage of vehicle loss insurance has covered the losses caused by natural disasters such as rainstorm and typhoon. If the vehicle suffers related losses, please call the insurance company to report the case in time to confirm whether the relevant insurance is insured, and go through the follow-up claim settlement procedures under the guidance of the staff.

　　Will the claim be affected if the car is washed away?

　　Heavy rains lead to flooding, and sometimes the vehicles are directly washed away. If the car search is unsuccessful, can I pay for it?

　　Wang Guojun believes that there is no need to worry at all: "First of all, where the car was rushed can basically be judged by positioning; If it is true that the vehicle is completely washed away and cannot be recovered, the insurance company will generally presume a total loss to make a claim. "

　　From the specific operation point of view, the settlement of claims for lost vehicles requires the intervention and assistance of public security organs. After the car can’t be recovered eventually, the owner of the motor vehicle needs to issue a certificate of loss to the local public security organ, then go to the vehicle management office to cancel the vehicle, and finally go to the insurance company to make claims.

　　However, it should be noted that the engine is turned off after the vehicle is flooded, and the engine must not be started again, otherwise it will cause engine damage. If the engine is damaged by "secondary ignition" in the water, the insurance company generally thinks that it belongs to the "loss expansion" exemption situation and will not claim compensation.

　　What should I do after the vehicle is flooded?

　　What should the owner do if the vehicle is flooded? Zhongxin Finance consulted the customer service staff of several property insurance companies.

　　The customer service staff of PICC P&C said: If the vehicle is flooded, you should apply for compensation as soon as possible, but the specific amount of compensation is subject to the opinions of the adjuster, and it should be accounted according to the actual value of the vehicle and relevant circumstances.

　　Sunshine Insurance staff said: If the vehicle is soaked, it is necessary to contact the insurance company as soon as possible, and the staff should investigate the site, otherwise the site will be difficult to identify after the water recedes.

　　It is worth noting that in principle, insurance companies have a time limit for reporting claims. However, Wang Guojun pointed out that in the face of special circumstances such as rainstorm, insurance companies will also handle it as appropriate. The staff of the insurance company also said that the actual situation does not necessarily have to be applied on the same day, but it should be applied as soon as possible.

　　"In case of special circumstances, the owner and the personnel on board must first ensure personal safety, and the car should be abandoned; In the case of purchasing car damage insurance, report the case to the insurance company in time, and then handle it according to the insurance company’s process. " Wang Guojun emphasized that insurance companies may now release reminders such as moving cars to customers according to big data before risks, and pay attention to this.

　　Will it trigger the overall premium increase?

　　Property losses caused by extreme weather will naturally bring some pressure to insurance companies’ claims. According to the data previously disclosed by the government, in 2021, the rainstorm disaster in Zhengzhou, Henan Province, it is estimated that the final amount of auto insurance claims in the entire insurance industry may reach 7 billion yuan.

　　Recently, some people in the insurance industry said that the recent heavy rain has caused the claims rate of various insurance companies to rise linearly, and the subsequent insurance prices are likely to increase. After the rainstorm, can cars that are not out of danger also usher in an increase in premiums?

　　A senior insurance practitioner told Zhongxin Finance: Usually, the increase in claim rate will lead to an increase in premium, but this should have been taken into account when designing insurance products.

　　"In recent years, several rainstorm disasters have also reported the loss of many vehicles. It is impossible for insurance companies to issue existing blister vehicles this year to apply for claims due to meteorological disasters. When designing products, these car damages will be taken into account in the calculation model. The premium of general auto insurance is comprehensively calculated based on factors such as the service life of the vehicle, the number of accidents, and the age of the insured. " The above practitioners believe that.

　　In addition, the reporter consulted a number of insurance company staff and got a reply saying that if the vehicle is really out of danger, the subsequent premium increase is normal; For vehicles that are not in danger, we have not received the notice of adjusting the premium yet. However, some insurance company sales staff said that if the flood is serious, the premium may be fine-tuned, but there is no precedent for a big increase before.

　　Wang Guojun also said that there is indeed the possibility of premium increase in the future. "This rainstorm has increased the overall risk, and insurance companies will increase the proportion of catastrophe risk in actuarial terms in the future, otherwise they may lose money when they encounter the same disaster in the future." However, he believes that the overall premium should not rise too much.

　　Wang Guojun also reminded that because the car damage insurance is purchased voluntarily by the owner, some people will feel that their daily car damage is not big, instead of buying car damage insurance, they only take three liability insurance. "Considering the special circumstances such as wading and spontaneous combustion, car damage insurance is still necessary, especially for relatively new and high-value cars."

---

The financial difficulties of China Football Super League have always been a topic of great concern. In recent years, the Super League has been hit by a serious economic crisis, which has led to the situation that some clubs have to be dissolved. This situation once triggered people’s concerns about the future development of the Super League.

However, in the latest news, two established clubs, Shanghai Harbour and Beijing Guoan, gave a positive reply, saying that they will continue to invest money for the team and guarantee to participate in next season’s competition. This is undoubtedly an exciting news, but also let the China Football Association breathe a sigh of relief.

As China football clubs with a long history and great reputation, Shanghai Port and Guoan have been reported to be unstable in operation and possibly even dissolved in the past few years. This series of rumors has further weakened people’s problems about the sustainable development of the Chinese Super League.

However, it seems that Shanghai and Guoan have not given up their responsibilities. According to relevant reports, the parent companies behind the two clubs have made it clear that they will continue to invest and support the team’s operation. This decision not only shows the courage and confidence of the two giant clubs, but also adds a touch of bright color to the future of the Chinese Super League.

---

In addition, it is worth mentioning that Zhonghe, the parent company of Beijing Guoan Club. Although the company faces a huge deficit, it has no intention of quitting the club. This shows that China and China have a deep understanding of football and its influence, and are willing to shoulder their responsibilities in it. Similarly, no organization has proposed the intention of transferring Guoan Club.

---

Of course, in today’s economic situation, many enterprises are under pressure and challenges, and the football industry is no exception. Compared with the past, Shanghai and Zhonghe may invest less in the club. However, this can’t hide their contributions in supporting the development of strong teams and ensuring the treatment of players.

---

In fact, with the joint efforts of China Football Association and other relevant stakeholders, in recent years, Super League has taken a series of measures to solve the financial difficulties and gradually promote the professional development. For example, increase marketing efforts and introduce more business partners. These measures have provided more development opportunities for the Super League and injected new vitality into the club.

---

Generally speaking, although the Chinese Super League has experienced some financial difficulties and dissolution rumors in recent years, the decisions of Shanghai and Guoan once again prove that the giant clubs have deep feelings and responsibilities for China football. They will continue to invest and guarantee to participate in next season’s competition, which brings infinite expectations to people. Similarly, with the joint efforts of all parties, I believe that the Chinese Super League can overcome difficulties, develop continuously and make greater achievements.

---

Extended topic: In addition to the economic problems faced by the Super League, there are a series of issues related to football in China that deserve our attention. The first is the construction of youth training system. How to cultivate more outstanding young players is one of the long-standing problems in China football. Only through a sound and efficient youth training system can we ensure the future worship strength of China football.

---

Secondly, the adjustment of foreign aid introduction policy. In recent years, it has played an important role in introducing overseas top stars to improve the level of domestic professional leagues. But equally, whether the restrictions on the amount and salary of foreign aid are reasonable has always been a controversial topic. What kind of policies should be adopted to balance the competitive relationship between domestic players and foreign aid, which can not only improve the level of the league, but also do no harm to the development of local players.

---

To sum up, there is still great potential to be tapped in the development of China football market. In recent years, top European clubs have marched into China, and made active attempts in business operation and brand promotion. How to further expand the scale of the football industry and increase the profit model has also become an important proposition.

---

Generally speaking, in the context of solving the financial difficulties, the continued investment of super league giants has brought hope to people. However, in addition, China football still needs to be reformed and innovated from many levels. Only by developing and expanding in all aspects can we realize the historical mission that the "green field" should shoulder in the great cause of Chinese national rejuvenation.

---

Youth training system construction: China football has been seeking to improve its international competitiveness, and a sound youth training system is indispensable. China football needs to invest more resources to train young players and provide them with high-quality training and competition opportunities to ensure that more local stars will emerge in the future. This may require improving infrastructure, hiring more professional coaches, and cooperating with schools to train football teenagers.

---

Adjustment of foreign aid introduction policy: foreign aid has played a key role in improving the level of the league, but it has also caused some controversy. China Football Association needs to carefully weigh the amount and salary of foreign aid to ensure that domestic players have enough opportunities to participate in the competition and promote the growth of local players. This may require more attractive policies to attract international stars to play in China and encourage clubs to train more local young players.

---

Football market development: China football market has great potential, but it needs further development. More and more international football clubs have realized the value of China market, but China football can also expand the scale of football industry in various ways, including developing football tourism, promoting football education and providing more entertainment activities. This will help to improve the popularity and attractiveness of the Super League.

---

Cooperation and win-win: The problem of football in China needs the cooperation of all parties. Government, Football Association, clubs, fans and enterprises can all play a role in promoting the development of football in China. Partnership, investment and common vision will help solve financial problems and other challenges.

---

To sum up, China football faces a series of challenges, but it also has great opportunities. The commitment of the super league clubs has brought a glimmer of light to China football, but to achieve sustained success, we need to carry out reforms and innovations in many aspects, including youth training, foreign aid policies, market development and the establishment of cooperative partnerships. Only through all-round efforts can China football realize its ambition and realize the historical mission of football in the great cause of Chinese national rejuvenation.

---

Please contact us immediately to delete or modify any content that causes controversy or involves copyright or personal rights.

In addition to the two joint laboratories, at the signing ceremony, Dr. Wang Qianying, Vice President of Lenovo Group and General Manager of Technology Strategy and Innovation Platform of Lenovo Research Institute, said that at present, 15 sub-topics have been identified in the research cooperation between Lenovo and Jiaotong University. Other laboratories of Lenovo Research Institute, such as enterprise cloud computing and car computing laboratories, and other R&D departments of Lenovo, including intelligent equipment group and solution service business group, are also important participants in these research topics. The cooperation covers the schools of electronic information, mechanical power, artificial intelligence and chemical engineering of Jiaotong University. The subject is also very extensive, involving battery, chip and other component technologies, new materials such as aluminum and magnesium alloys, speech and large scene video processing, complex robot systems and DNA storage.

Cao Moumou, a male, male, born in 1995 ** 被 被 被, citizenship number: 4290041995 **********, Han nationality, junior high school culture, before the incident, online car driver, household registration in Hubei Group of Xian Tao City ** Village, temporarily lived in Room **, ** Road ** Road ** of Yangpu District, Shanghai. On March 31, 2021, the Chongming Branch of the Shanghai Public Security Bureau was criminally detained in accordance with the law for suspected traffic accidents.

The case was ended by the investigation of the Chongming Branch of the Shanghai Public Security Bureau and was transferred to the court on January 17, 2022 to the court for review and prosecution by the non -prosecutor Cao Moumou. After the acceptance of this court, the next day, it was informed that the non -prosecutor had the right to entrust the defender and the legal consequences that the penalty could be caused. The close relatives of the victim had the right to entrust the lawsuit to the lawsuit, and questioned the non -prosecutor in accordance with the law and listened to it. The opinions of the victim’s family reviewed all case materials.

After review by law:

At 5:35 on March 31, 2021, the brand that was not leased by Cao Moumou was Shanghai AF **** small sedan.时，因其驾驶机动车未靠道路右侧通行且违反文明驾驶规定而分别与对方向在道路东侧由南向北被害人沈某甲骑驶的号牌为上海67****电动自行车及The victim Huang Moumou’s number plate was a collision of Shanghai 38 **** electric bicycles, causing damage to the vehicle, Huang Moumou’s injury, Shen Moujia died on the spot. After determining the accident of the traffic police detachment of the Chongming Branch of the Shanghai Public Security Bureau, Cao Moumou’s total responsibility for the accident, Shen Moujia and Huang Moumou did not bear the responsibility of the accident.

After the accident, Cao Moumou’s initiative to report to the police, waiting for the scene and actively rescued the wounded. After the case, the above -mentioned criminal facts were truthfully confessed. A few days ago, the victim Huang Moumou had received Cao Moumou’s compensation RMB 55,000 (the following currencies are RMB); 38.6668 million yuan and Cao Moumou compensated 49,000 yuan (the remaining 60,000 yuan has been negotiated with Cao Moumou and the victim Shen Moujia’s family membership payment). Cao Moumou has been understood in writing by the above -mentioned victims and family members of the victims.

The evidence of identifying the above facts is as follows:

1. The one -click search for super search information, ID card copy, and criminal suspect’s illegal crime information verification form from the Shanghai Public Security Bureau confirmed that the non -prosecutor Cao Moumou had reached legal and completely criminal responsibility age when he committed the crime. Identity information and no prevalence.

2. The Shanghai Public Security Bureau’s case (event) issued by the public security organs receiving a report, the registration form, the case of the case, the 110 incident registration form, and the call for details. A traffic accident occurred near the Panlong Highway and the intersection of the construction of the North Road and the electric bicycle. Cao Moumou, who was not prosecuted, took the initiative to call the police, waited for the scene and truthfully confessed the above criminal facts.

3. The results of the test form of the drug driving (urine test) and the exhalation alcohol tester confirmed that Cao Moumou was not toxic and drunk driving.

4. Driving license information, motor vehicle driving license, photocopy of driver’s license, vehicle detailed information, motor vehicle traffic accident liability for compulsory insurance policy, commercial insurance policy, Shanghai taxi operating license confirmed, Cao Moumou’s driving license and rental car Related conditions such as the driving card is complete.

5. Shanghai Public Security Bureau’s population business inquiry management system information, ID card copy, a copy of the temporary resident ID card, and basic information of the vehicle have confirmed that the victim Shen Moujia, Huang Moumou’s identity information and two electric bicycles are related.

6. The first aid case, the medical certificate of the resident death, the guarantee, the cremation of the remains, the thermalization certificate of the body of the residents, and the thermalization of the body, and the Judicial Appraisal Opinions of the Judicial Appraisal Center of the Shanghai Medical College of Fudan University confirmed that on March 31, 2021, the victim Shen Moujia was on the spot due to a traffic accident on the spot. Death, the cause of death is in line with road traffic accidents, causing injuries to the whole body. In addition, ethanol composition was found in the blood.

7. Notice of injury testing and the outpatient medical records of the Chongming Branch of Xinhua Hospital affiliated to Shanghai Jiaotong University School of Medicine confirmed that the victim Huang Moumou had eyeballs due to the accident.

8. Household registration copy, copy of ID cards, civil judgments, civil jets, civil mediation letters, receipt, understanding, and Didi company transfer vouchers confirmed that Cao Moumou has conducted with the victim Shen Moujia’s family on the economic compensation of the accident. Civil litigation and later reached a mediation agreement. A few days ago, the victim Shen Moujia had received a compensation of 1.182 million yuan in insurance companies, 386.668 million yuan paid by Didi Company and 49,000 yuan for Cao Moumou. Payment). The family members of the victims have been understood by Cao Moumou.

9. Transportation accident understanding, people’s mediation agreement, and road traffic accident economic compensation voucher confirmed that it has been compensated by the victim Huang Moumou for the victim of the victim, and was written in writing.

10. The "Road Traffic Accident Confix" issued by the Transportation Police Detachment of the Shanghai Public Security Bureau and the situation of Shen Moujia’s electric bicycle after being drunk, which is confirmed by the situation of the responsibility of the accident. Cao Moumou’s responsibility for the accident; Shen Moujia drunk riding electric bicycles does not work on traffic accidents and the consequences of damage. The two victims had no fault in the accident. Responsibility for the accident.

11. Shanghai Fenglin Judicial Appraisal Co., Ltd.’s judicial appraisal opinions confirmed that the safety technical status of the car involved in the case is in line with the relevant provisions of GB7258-2017 "Technical Conditions for Motor Vehicle Operation Safety"; the safety technical status of the two electric bicycles involved in the case meets GB17761-2018 " The requirements of the Safety Technical Specifications of Electric Bicycles; at the time of the accident, the license plate is "Shanghai 67 ****" electric bicycle carried by people to carry people’s traffic behavior. A collision of electric bicycles can be established.

12. On -site pictures of road traffic accidents, surveys of road traffic accidents, photos, photos, CD -ROM confirmations, car accidents and other related situations.

13. The statement of the victim Huang Moumou confirmed that at 5:35 on March 31, 2021, when the electric bicycle was driving along the east side of the Pinglong Highway from south to north to the south side of the south side of the river bridge, about 200 meters, It was suitable for a sedan to drive quickly from the middle to southeast along the middle road to the southeast, and it avoided it westward. Later, it felt like a electric bicycle or a car colliding.

14. Witnesses Shen Mou’s testimony confirmed that it was the son of Shen Moujia. On March 31, 2021, Shen Moujia drove an electric bicycle and collided with a small sedan on the way along the Pinglong Highway. His mother said that Shen Moujia went to the construction site from his home when he was at the time of the incident.

15. The confirmation of the confession of the non -prosecutor Cao Moumou was confirmed that at 5:35 on March 31, 2021, the driving number was Shanghai AF **** small sedan, and it was driving north to south along the Dragon Highway in this area to the south to the shoulder. The road milestone hit two electric bicycles at 6.7 kilometers, resulting in related facts such as one death and one injury.

The court believes that Cao Moumou, who was not prosecuted, implemented the behavior stipulated in Article 133 of the Criminal Law of the People’s Republic of China, but the circumstances of the crime were mild. And its close relatives made financial compensation and obtained written understanding, according to the provisions of Article 67, paragraph 1 and 37 of the Criminal Law of the People’s Republic of China, can be exempted from criminal punishment. According to the provisions of Article 177 of the Criminal Procedure Law of the People’s Republic of China, it was decided not to prosecute Cao Moumou.

Three seized CD -ROM returned to the Chongming Branch of the Shanghai Public Security Bureau.

If the non -prosecutor’s decision, if he does not accept the decision, he can appeal to the court within seven days after receiving the decision.

If the victim’s close relatives do not accept the decision, they can appeal to the Second Branch of the Shanghai People’s Procuratorate within seven days after receiving this decision, and ask for a public prosecution; they can also filed a self -prosecution directly to the Shanghai Chongming District People’s Court of Shanghai.