Will the hail car insurance company pay for it?

Hail or falling objects are the responsibility of car damage insurance. Because hail usually occurs in local areas, it is not force majeure and belongs to the coverage of car damage insurance.

Some companies require owners to issue weather certificates. Some companies only need the owner to provide the location of the accident, as long as the weather forecast says there is hail in the area.

Therefore, if the car damage insurance is insured and the car is injured by hail, you can call the customer service phone of the insurance company to make a claim.

Guide to compensation for hail damage to automobile insurance

1. First of all, don't move the vehicle, find the vehicle insurance policy and see if you want to buy car damage insurance. If the car is within the insurance period, you need to report it to the insurance company within 24 hours.

2. Unlike other auto insurance claims, many insurance companies will require the owner to provide weather certificates for the losses caused by hail.

Therefore, it is best for the owner to issue a weather certificate in advance or leave relevant media reports as proof of claim.

3. After reporting the case, accept the survey and determine the damage. The insurance company will arrange staff to inspect nearby and take photos of the damaged vehicles.

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

5. After the investigation, the staff will tell the designated maintenance organization or 4S shop to carry out maintenance, and the expenses will be paid by the owner himself, and then the insurance company will charge the expenses 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 vehicle for maintenance, it is best to put away the important items in the vehicle and drive the vehicle to the maintenance agency to hand over the documents. You can get your repaired car back after 3-4 working days.

Extended data

Car damage insurance refers to an automobile commercial insurance in which the insured or its licensed driver has an insurance accident while driving the insured vehicle, resulting in damage to the insured vehicle, and the insurance company will compensate within a reasonable range.

Car damage insurance and three kinds of insurance are the basic types of vehicle insurance, which mainly compensate the loss of the insured vehicle and the loss caused by the insured vehicle to the third party in use.

References:

? Baidu encyclopedia-car damage insurance