Can you cover the hail car damage insurance? How will you settle the claim?

The insurance company will pay for it.

Because the hail disaster belongs to the insurance company's car damage insurance coverage, all car owners who have insured the car damage insurance can call the insurance company to report the case and apply for compensation if they find that their vehicles are damaged by hail or falling objects caused by strong winds. If the vehicle is damaged by hail, the owner should report it as soon as possible, preferably within 48 hours.

However, there are three situations, which should be compensated according to the specific situation:

1, if the owner only bought car damage insurance, he can only get 85% compensation. In other words, the owner only bought car damage insurance, and there is no other supplementary insurance. The insurance company bears 85% of the compensation, and the rest needs to be borne by the owner himself.

2. If you buy car damage insurance and buy car damage insurance at the same time, you can get full compensation without excluding deductible insurance. If the owner only bought compulsory insurance, he could not enjoy the claim service in case of hail disaster.

3. If the whole car is damaged, as long as the car damage insurance and additional deductible are insured, you can get corresponding compensation; If only a single piece of glass is damaged (excluding the skylight), you need to buy glass breakage insurance separately to get compensation. In this case, you also need to buy glass insurance, because glass insurance is a separate insurance, and you won't pay for the damage to the glass.

Extended data:

Under the following circumstances, the insurer is not responsible for compensating the loss of the insured vehicle for whatever reason:

Vehicle loss insurance

(a) Earthquake, war, military conflict, terrorist activities, riots, seizure, confiscation and government expropriation;

(two) during the competition and testing, repair and maintenance in the business maintenance site;

(3) engaging in illegal activities by using insurance vehicles;

(four) the driver drinking, smoking, injecting drugs and using the insurance vehicle after being anesthetized;

(five) the insured vehicle hit and run;

(six) the driver has one of the following circumstances:

1, no driver's license or driving a vehicle inconsistent with the driver's license;

2. Driving without a valid driver's license stipulated by the public security traffic management department;

3, the use of various special mechanical vehicles, special vehicles without a valid operation certificate issued by the relevant departments of the state; Drivers driving commercial buses do not have valid qualification certificates issued by relevant state departments.

(seven) the insured does not allow the driver to use the insured vehicle;

(eight) the insurance vehicle has no valid driving license.

The insurer is not responsible for the following losses and expenses of the insured vehicle:

(a) Natural wear and tear, corrosion, failure, and separate tire damage;

(2) The glass is broken separately, and there are no obvious collision marks on the scratches of the car body, and the skylight and rearview mirror are damaged separately;

(three) losses caused by direct oil supply and high temperature baking;

(four) spontaneous combustion and fire losses caused by unknown reasons;

Spontaneous combustion refers to the fire and combustion caused by the failure of electrical appliances, wiring and oil supply system of the vehicle or the failure of the goods themselves.

(five) after suffering losses within the scope of insurance liability, continue to use it without necessary repairs, resulting in increased losses;

(6) Losses caused by pollution (including radioactive pollution);

(seven) depreciation caused by changes in market prices and losses caused by the decrease in value after repair;

(eight) the loss of uninsured new equipment beyond the standard configuration of vehicles;

(9) Starting when the exhaust pipe or intake pipe is flooded, or starting the vehicle without necessary treatment after being flooded, resulting in engine damage;

(ten) the loss caused by the fall, collapse, collision and leakage of the goods carried by the insured vehicle;

(eleven) the loss caused by the overturning of the motorcycle during parking;

(twelve) stolen, robbed, robbed, and stolen, robbed, robbed and damaged vehicles, or lost parts and accessories on the vehicle;

(13) Losses caused by intentional acts of the insured or the driver.

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