Is the hail smashing injury or car insurance compensation, hail smashing the car, how to be compensa

In the past two days, the surrounding areas of Jinan, such as Jiyang and Zhangqiu, have been hit by heavy rain and hail, and some vehicles parked in the open air have been smashed into "hornet's nests." If the car is smashed like this, will the insurance company pay for it? Take a look at what Zhou Jintao, the prosecutor of the Jinan Municipal People's Procuratorate, said.

Q: Is the damage caused by hail a force majeure?

A: Since hail usually occurs in local areas, it is not included in force majeure and is covered by car damage insurance. Any car owner who has purchased car damage insurance can apply to the insurance company for compensation when the vehicle is damaged due to hail.

Q: I have car damage insurance and the glass of my car is smashed by hail, can I get compensation?

A: If you have purchased glass breakage insurance and will be compensated during use, you will not be covered for sunroofs, lights and mirrors.

Q: I only have compulsory traffic insurance, can I make this claim?

A: No, you cannot. In addition, even if you have purchased third-party liability insurance in commercial insurance, you cannot make a claim on this basis.

Q: How do I make a claim after being hit by a hailstorm?

Answer: You must report the insurance in time, according to the insurance contract, it is generally within 24 hours or 48 hours. If the car owner is insured for car damage, he will be compensated according to the relevant terms and conditions of the insurance company.

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If a tree branch or hail smashes a car, what insurance can I buy to pay for it? The salesman won't say it, but you have to see how to find an insurance company to make a claim Hail car is the coverage of damage insurance It is very important to hand over documents while driving For force majeure factors, you can make a claim What insurance can you buy if the hail smashes the car.

Hail or falling objects from high altitudes are covered by car damage insurance, and because hail disasters usually occur in local areas, they are not included in force majeure, and they are covered by car damage insurance.

Some companies require a weather certificate from the car owner. Some companies only need the owner to provide the location of the accident, as long as the weather forecast shows hail in the area.

Hail Damage Car Insurance Compensation Guide.

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. Unlike other car insurance claims, many insurance companies will require the owner to provide a meteorological certificate for vehicle damage caused by hail.

Therefore, it is best for the owner to issue a meteorological certificate in advance or leave a report of relevant ** as proof of claim.

3. After reporting the case, accept the investigation and assessment of damages. The insurance company will arrange for staff to inspect the nearest area and take photos of the damage to the vehicle.

4. During the investigation, it is necessary to provide the staff with the original and duplicate of the owner's ID card, motor vehicle driving license, motor vehicle driver's license, and the owner's bank card, and the staff need to take photos for use.

5. After the end of the survey, the staff will tell the designated maintenance agency or 4S shop for maintenance, 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. The owner will send the vehicle to the maintenance agency or 4S shop for maintenance, before sending the car to maintenance, it is best to put away the important items in the car, and hand over the documents when the car is handed over to the maintenance organization. After 3-4 working days, you can get your repaired car back.

1. Pay attention to the purchase of car damage insurance.

After the vehicle is hit by hail, if the vehicle is insured for vehicle damage, you can apply for a claim. Because although hail is a natural disaster, it is different from **, tsunami, etc., it is a local disaster, and it is not included in the liability exemption in the insurance contract, so the insurance company will pay for it.

2. Report the case within 24 hours.

When you find that your vehicle has been injured by hailstones, you should report the incident within 24 hours, otherwise the insurance company may not pay you if the time is exceeded. In fact, it does not take more than 48 hours, and the insurance company will pay for it. However, each insurance company is different, and large insurance companies, in order to ensure their reputation, generally do not care too much about time.

3. Open a meteorological certificate.

When preparing a hail claim, don't forget to prepare a weather certificate, such as a hail notice from the Weather Observatory or a local newspaper about hail coverage for the day or next day. With this meteorological certificate, the insurance company will pay for your damages.

Fourth, take photos by yourself for evidence.

When the vehicle is injured by hail, it should be taken as soon as possible to collect evidence, so as to avoid other situations such as vehicle movement, or hail melting, which may cause some trouble. Take a few photos from different angles, and pay attention to keeping it**.

5. Do not move the vehicle and do not clean up the left hailstones.

When the vehicle is injured by hail, do not move the vehicle, do not clean the left hail, because moving the vehicle casually will cause the insurance company to assess the damage difficult, and affect the effect of evidence collection, after the car insurance report, the party should prepare the owner's ID card, motor vehicle driving license, (personal) motor vehicle driver's license original copy, insurance commercial insurance policy original, car owner's bank card and other documents. This makes it easy to take it out when you need it.

6. Find a maintenance point to repair the vehicle after the damage assessment.

After taking photos and collecting evidence from the insurance company, you can go to the nearby insurance company for damage assessment, and then you can go to the corresponding repair point for repair

If a tree branch or hail smashes a car, what insurance can I buy to pay for it? The salesman won't say it, but you have to see how to find an insurance company to make a claim Hail car is the coverage of damage insurance It is very important to hand over documents while driving For force majeure factors, you can make a claim What insurance can you buy if the hail smashes the car.

1. If the vehicle is insured with car damage insurance, the insurance company is responsible for the damage caused to the vehicle due to hail. If you do not have car damage insurance and related commercial car insurance tremors, the insurance model company will not be responsible for the claim.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these disadvantages of insurance"pits"

This kind of hailstorm and this kind of natural disaster smashed the car, the insurance company will pay compensation.

In the new insurance regulations, many natural disasters such as natural disasters are included in the scope of claims, but the claims will be adjusted accordingly according to the actual situation, and there are the following situations:

1. Only apply for compulsory traffic insurance.

The insurance company does not pay the claim, and the owner is responsible for all losses.

2. Car damage insurance, but if you are not insured, you will not be charged with deductible additional insurance.

The insurance company will deduct a part of the absolute free odds cost, and the car owner will have to bear a small part of the cost.

3. Purchase car damage insurance, and also insure additional insurance without deductible.

The insurance company pays the full amount.

4. Special circumstances: the hail only hit the glass and did not damage other places.

The policyholder needs to purchase separate glass breakage insurance, and the insurance company will pay the claim, otherwise the claim will not be made.

Hailstorm is covered by the insurance company's car damage insurance.

All car owners who have purchased car damage insurance, if they find that the vehicle is damaged by hail, or if the vehicle is damaged due to falling objects caused by strong winds, they can call **** to report the case and apply for compensation from the insurance company.

At the same time, if the vehicle is damaged by hailstorm, the owner should report the accident as soon as possible, preferably within 48 hours.

However, if the car owner only buys car damage insurance, he can only get 85% of the compensation, and if he buys car damage insurance and deductible insurance at the same time, he can get full compensation.

Generally speaking, according to the terms of the insurance, if the entire vehicle is damaged, as long as the car damage insurance and additional deductible are insured, the corresponding compensation can be obtained; If only the glass is damaged (excluding the sunroof), you need to purchase a separate glass breakage insurance to be compensated.