The car is damaged by hail and the insurance does not pay, and does the hail damage the car insuranc

First, the car was damaged by hail. Will the insurance pay for it? 1.

Whether the car is damaged by hail and whether the insurance claim is settled depends on the specific situation, as follows: (1) The car is damaged by hail and there is no car damage insurance, and the owner pays for the maintenance by himself; (2) The insurance company will pay for the car damage insurance if the car damage insurance has a deductible; (3) If you purchase car damage insurance, the insurance company will compensate you in full. 2.

Legal basis: Article 1182 of the Civil Code of the People's Republic of China. Where property losses are caused by infringement of the personal rights and interests of others, compensation shall be given in accordance with the losses suffered by the infringed party or the benefits obtained by the infringer; It is difficult to determine the losses suffered by the infringer and the benefits obtained by the infringer.

Where the infringer and the infringed party have objections to the amount of compensation and file a lawsuit with the people's court, the people's court is to determine the amount of compensation based on the actual circumstances. 2. How to insure a car damaged by hail? 1.

First of all, don't move the vehicle, look for a vehicle insurance policy to see if you have car damage insurance. If the car is within the insurance period, you need to report it to the insurance company within 24 hours; 2.Issuing a meteorological certificate or leaving a relevant ** report as evidence of the claim; 3.

After receiving the report, the insurance company will arrange staff to go to the scene to investigate and take photos of the damage to the vehicle; 4.Provide ID cards, motor vehicle driving licenses, original motor vehicle driving licenses and bank cards to the staff who need to take pictures; 5.The staff will notify the owner of the maintenance location, and the cost will be paid by the owner himself, and the insurance company will pay the fee to the owner's bank card; 6.

The owner will send the vehicle to a maintenance institution or a 4S shop for maintenance. Before sending the vehicle for maintenance, put away the important items in the car, and hand over the documents one by one when the vehicle is handed over to the maintenance organization.

Hail smashing car insurance pays. Here's why:

1. Car damage insurance liability: Although natural disasters such as floods are not within the scope of claims, hail and falling objects at high altitude are all subject to car damage insurance liability, and because hail usually occurs in local areas, they are not included in the force majeure factors.

2. Separate glass breakage insurance: If the glass is smashed due to hail, if the glass is broken separately, 100% will be paid; If there is no separate glass breakage insurance, no compensation will be paid, and the owner will bear this part of the cost.

Extended information: 1. Car loans.

A car loan is a loan issued by a lender to a borrower who applies to purchase a car. Auto consumer loan is a new type of loan guaranteed by banks to car buyers who purchase cars at their authorized dealers. The interest rate of automobile consumer loan refers to the ratio of the loan amount and the principal amount issued by the bank to the consumer, that is, the borrower, for the purchase of a car for self-use (a family car or a commercial vehicle with less than 7 seats (inclusive) for non-profit purposes).

The higher the interest rate, the greater the amount of repayment the consumer will have.

2. Loan term.

The term of a consumer loan is generally 1-3 years, and the longest is not more than 5 years. Among them, the loan term (including extension) of second-hand car loans shall not exceed 3 years, and the loan term of dealer car loans shall not exceed 1 year.

3. Loan interest rate.

Benchmark interest rate: According to the regulations of the central bank, the benchmark interest rate for auto loans is implemented, but each financial institution can float within a certain range above and below the benchmark interest rate. The term of car loans of major banks is generally not more than 5 years, and the interest rate of car loans directly determines the cost of people's loans, which has become an important factor in determining whether people take out loans for consumption.

Loan interest rate: The actual interest rate of the car loan is set by the bank according to the actual situation of the customer and with reference to the benchmark interest rate stipulated by the central bank, and the customers with excellent general conditions can enjoy the benchmark interest rate or about 10% lower, and ordinary customers need to increase about 10% on the basis of the benchmark interest rate. 2013 Latest Bank Lending Rates:

The benchmark is 10%-15% higher

If the car is damaged by hail, whether the insurance will be paid depends on the specific situation, and the specific circumstances are as follows:

1. If the car is damaged by hail and does not buy car damage insurance, the owner shall pay the maintenance costs;

2. The car damage insurance has been purchased, but there is a deductible in the car tremor delay damage insurance, and the insurance company compensates for the part;

3. If you have purchased car damage insurance and purchased a deductible, the insurance company will pay you in full.

How to get insurance if your car is damaged by hail.

1. First of all, do not move the vehicle, find the vehicle insurance policy, see if you buy car loss insurance, if the car is within the insurance period, you need to report to the insurance company within 24 hours;

2. Open a meteorological certificate or leave a relevant ** report as a claim for covering the cave land;

3. After receiving the report, the insurance company will arrange staff to investigate the scene and take pictures of the damage to the vehicle;

4. Provide ID cards, motor vehicle driving licenses, motor vehicle driving licenses, and bank cards to the staff, and the staff need to take photos for use;

5. The staff will notify the owner of the maintenance location, and the cost will be paid by the owner himself, and then the insurance company will transfer the cost to the owner's bank card;

6. Before the owner sends the vehicle to the maintenance agency or 4S shop for maintenance, the important items in the car are put away, and the car is handed over to the maintenance agency when the car is handed over to the documents.

Legal basisArticle 1182 of the Civil Code of the People's Republic of China.

Where property losses are caused by infringement of the personal rights and interests of others, compensation shall be made in accordance with the losses suffered by the infringed party or the benefits obtained by the infringer as a result; Where it is difficult to determine the losses suffered by the infringed party and the benefits obtained by the infringer as a result, and the infringed party and the infringer disagree on the amount of compensation and file a lawsuit with the people's court, the people's court shall determine the amount of compensation based on the actual circumstances.

Hail damage to the vehicle is within the scope of the claim, that is, the damage to the vehicle caused by the hail, the insurance company can make a claim. Because hail disasters usually occur in local areas (and it is not possible to have hail in every area), they are not included in force majeure and are covered by car damage insurance. However, it is necessary to take out car damage insurance, and when the hail damages the vehicle, you can make a claim by calling the insurance company's customer service**.

If the car is hit by hail, the insurance company will pay for it. Because hail is different from ** and tsunamis, hail is a local natural disaster, so the insurance company will pay for it. If you don't buy car damage insurance, the insurance company won't pay for it.

If the car is damaged by hail, don't move the car first, find the vehicle insurance policy and see if you have car damage insurance and if the car is within the insurance period. At present, the insurance policy in China is valid for one year, and you can check it out.

Report the incident to the insurance company. If the above information is complete, you can report the case to the insurance company. Please report the case within 24 hours and provide details. Parking location, parking person, weather conditions, etc.

After reporting the case, an investigation is conducted to determine the damage. After reporting the case, the insurance company will arrange for a staff member to contact and then investigate nearby. During the investigation, the staff will take pictures of the damage to the vehicle.

The documents that need to be provided, during the investigation, it is necessary to mention the owner's ID card, motor vehicle driving license, original motor vehicle driving license and car owner's bank card to the staff. Please make sure that these documents are within the validity period and that staff will need to take pictures.

After the investigation, inform the repair situation. After the investigation, the staff will tell you to go to the designated Royal Dig Repair Facility or 4S shop for repairs. You pay for the repairs first, and the insurance company will transfer the cost to your bank card.

Send the vehicle in for repair. Take the vehicle to a repair facility or 4S shop for repair. Before sending the car for repair, it is best to put away the important items in the car. After repairing the car, you only need to bring the insurance policy, the insured's ID card, driving license, and driver's license to quickly settle the claim.

No loss for quiet files. Compulsory traffic insurance is a compulsory liability insurance for the insurance company to compensate for the personal and property losses of the victims other than the vehicle personnel and the insured caused by a road traffic accident of the insured motor vehicle within the limit of liability. In the case of glass damaged by hail, it can only be compensated if you have car damage insurance.

According to the relevant provisions of insurance, as long as the owner has purchased car damage insurance, whether it is the body or glass, if it is damaged by hail, he can report to the insurance company and apply for insurance claims. The specific claim method and steps are as follows:

1. If the car is damaged by hail, first of all, do not move the vehicle, find the vehicle insurance policy, and check whether the car damage insurance is insured and whether it is within the insurance period.

2. Report the case to the insurance company. If the above information is complete, the owner can report to the insurance company, please report within 24 hours, and the details need to be explained when reporting. Where the vehicle is parked, who parked it, weather conditions, etc.

3. After reporting the case, the insurance company will arrange for the staff to contact the owner of the car, and then investigate nearby, and during the investigation, the staff will take pictures of the damage to the vehicle.

4. During the investigation, the owner needs to provide the staff with the owner's ID card, motor vehicle driving license, original and copy of the motor vehicle driver's license, and the owner's bank card. Please ensure that these certificates are within the validity period. Staff are also required to take photographs.

5. After the survey, the staff will designate a designated maintenance agency or 4S shop to repair and compensate for the insurance cost.

6. Send the vehicle to a maintenance agency or 4S shop for maintenance. Then hand over the car to the repair agency, and after 3-4 working days, the owner can get the car.

<> "Hail Destroys the Car, Does Insurance Cover Compensation?"

Compensation, provided that you have purchased car damage insurance as part of your car insurance.

In general, car damage insurance will provide compensation for vehicle damage caused by force majeure factors such as natural disasters.

So, if your vehicle is smashed in hail weather, you can file a claim with the insurance company. However, it is important to note that the compensation standards of car damage insurance may vary from one insurance company to another, and the specific situation needs to be verified according to the terms of the insurance contract you have purchased.