The weather caused falling objects to break the car glass. Will taking insurance claims affect the renewal of insurance in the second year?

Many car owners will encounter falling objects and falling branches due to bad weather. After the vehicle is damaged, insurance can be used to repair the vehicle. If the vehicle has commercial insurance and car damage insurance, then the loss value of the vehicle is lower than that of 300 yuan, and individuals can repair it at their own expense. If the glass is damaged by falling objects, it is best to use insurance, because the maintenance of automobile glass is more expensive, so using insurance will save a little and be more cost-effective.

1. Will the insurance claim affect the second-year renewal?

Many people are worried about accepting insurance claims. Although the individual saves money, will there be an increase in handling fees or premiums for renewing the insurance in the second year, so it will not be worth the candle? Actually, it depends on the number of insurance claims in the whole year. If there is no insurance claim throughout the year, then only one claim will not lead to an increase in premium, and only the original price will be maintained, so the number of insurance claims used throughout the year will not exceed the standard. Then it is more cost-effective to take insurance claims. If it is paid once or twice a year, it should be judged according to the maintenance price. If the maintenance price exceeds 1500 yuan, it is more cost-effective. If it is lower than 1500 yuan, it is better to pay at your own expense.

Second, falling objects cause glass damage, and the loss may not be borne by individuals.

Many car owners think that if the vehicle is damaged by falling objects in the parking lot without an accident, then they need to admit their bad luck and repair the vehicle themselves. In fact, this idea is wrong. If an individual is injured by falling objects while paying parking fees, he can ask the parking lot management department for compensation. If the property management company manages the parking lot, the property management company will make compensation. If the falling object is a billboard or can be clearly identified as an item, he can ask his owner or shopkeeper to compensate for the damage to the vehicle. Therefore, after the vehicle is damaged, he should arrive at the scene of the accident as soon as possible, do not destroy the scene of the accident, and protect the scene of the accident and take photos for preservation.