My car was hit by a tree branch, what should I do if I don’t have car damage insurance?

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Si Jiahong Case

Not long ago, a heavy snow broke the branches, causing the window of the car parked in the parking space of the community by the owner Mr. Wang to be smashed. Mr. Wang approached the community property management company and the insurance company to demand compensation. The property refused to take responsibility on the pretext that the damage was due to force majeure, and the insurance company refused to pay because it did not have glass insurance. So, can Mr. Wang receive compensation for vehicle damage? Argument

The property company and the insurance company should jointly compensate Mr. Wang for the loss of his vehicle.

According to Article 126 of the "General Principles of the Civil Law" "If a building or other facilities, or objects placed or suspended on the building collapse, fall off, or fall and cause damage to others, its owner or manager shall According to the provisions of "Assume Civil Liability", the management of trees in the community is entrusted by the owners to the property management company, and the property management company is supposed to prune and maintain them. Before the snowfall, all departments issued early warnings. It was unreasonable for the property management company to refuse compensation on the grounds of force majeure, and it should bear some responsibility.

The vehicle was damaged by branches broken by snow, which was essentially a secondary disaster caused by a natural disaster. As one of the insurance liabilities of car damage insurance in commercial auto insurance, like collapse, overturning, and explosion, losses caused by the fall or collapse of external objects can be compensated. Mr. Wang's car is covered by car damage insurance, and the insurance company should bear certain liability for compensation. It should be reminded that if an object falls from a height due to weather, the insurance company will require the car owner to provide corresponding weather certificates. When settling a claim, Mr. Wang can communicate with the insurance company to meet the required formal materials for compensation.