Extreme weather is really a lot of traffic. Do you pay for insurance?

With the deterioration of the earth's environment, extreme weather is becoming more and more frequent. In case your car is damaged by weather such as hail, hurricane and debris flow caused by heavy rain, then the car insurance you put in at this time can play a role. It is understood that except for a few special circumstances, except for earthquakes, insurance companies will compensate for car damage caused by other natural disasters.

Claim standard: generally, except for the earthquake, compensation should be paid. Ping An, Pacific, China United and other insurance companies have different expressions on the auto insurance claims caused by natural disasters such as rainstorm, tornado and hail in the auto insurance contract terms. Car owners are also worried that claims will be treated differently, so they are hesitant when choosing an insurance company.

According to feedback from many insurance commissioners in 4S stores, although different insurance companies have different terms for auto insurance claims for natural disasters, in general, most insurance companies exclude car damage caused by earthquakes from their insurance responsibilities, and car damage caused by lightning, storms, tornadoes, rainstorms, floods, land subsidence, cliff collapse, avalanches, hail, mudslides, landslides and even tsunamis are included in the scope of claims.

It is necessary to remind the owner that although the on-site investigation is not easy in extreme weather, the insurance company may not be able to arrive quickly, but the owner still needs to report the case in time, and it is best to take photos to keep the on-site evidence. In addition, in extreme weather, there are various reasons for car damage, such as tree pressure, flood, falling objects and so on. An insurance company may define the insurance liability according to specific reasons. In some special circumstances, the owner may be refused compensation, or may not get full compensation, which requires the attention of the owner.

It is worth mentioning that although there are special deductible clauses for extreme weather, there is no special climate change insurance in China.

In Japan, Spain and other countries, meteorological insurance products have been developed for weather reasons. "No matter from the perspective of social demand or purchasing power, China is far from this level." The person in charge of a large property insurance company told reporters that China is still in a state of lack of insurance awareness, professional meteorological services have just started, and the meteorological index has not yet reached the mature commercialization stage, not to mention the development of derivative products.

On the other hand, China people's overall safety awareness is still relatively lacking. The person in charge said that taking property insurance as an example, the share of property insurance in China is mainly concentrated on auto insurance, and it is still in the stage of fighting for price and neglecting service.