Can I be insured for car damage during hailstorms? How will the compensation be settled?

There is an item in insurance called force majeure, which refers to some unexpected situations, such as earthquakes, floods, fires and other unexpected situations. Insurance companies that fall within these categories will not provide compensation because natural disasters are not within the scope of claims. However, hailstorms or falling objects from high altitudes are covered by car damage insurance. Since hail disasters usually occur in local areas and are not classified as force majeure, they fall within the scope of car damage insurance. In other words, any car owner who has car damage insurance can apply for compensation from the insurance company when the vehicle is damaged due to hail.

However, insurance company staff emphasized that this situation generally requires the first on-site report. Those who were hit by objects falling from upstairs generally need to be certified on site or by the local public security department, or if the hailstorm has a meteorological certificate or a local newspaper. If it is a relatively large hailstone, everyone knows that nothing is required, and the insurance company can determine the damage. . Of course, if the customer only has compulsory traffic insurance, then this claim cannot be made.

In addition, when vehicle losses occur due to hail, car owners must pay attention to follow the procedures to settle claims, call customer service to report the case, conduct on-site inspections to determine the damage, etc. What needs special attention is that customers who are damaged by hail need to provide weather certification materials, such as the weather forecast from the media at the time, media reports after the hail, or a certificate issued by the meteorological department.

How to claim for hail damage

If your car has been insured for car damage insurance and the car body is damaged due to hail, this situation is within the scope of insurance. According to the insurance company’s Under relevant terms, car owners can receive full compensation from their car insurance.

If the glass is smashed by hail, if you have insured individual glass breakage insurance, 100% of the compensation will be paid; if you have not insured individual glass breakage insurance, no compensation will be provided, and the car owner shall bear this part of the cost.

Claims Process

If you find that your car has been damaged by hail, do not move the vehicle, quickly find the vehicle insurance policy and report it to the insurance company within 48 hours.

Open a weather certificate or leave relevant media reports as proof of claim. For example, you can take a newspaper that recently reported hail to an insurance company and use it as a weather certificate to make an insurance claim.

After reporting the crime, the insurance company will arrange for staff to contact the car owner and then conduct a nearby inspection; during the inspection, the staff will take photos of the damage to the vehicle.

During the investigation process, the car owner needs to provide the staff with the ID card, motor vehicle driving license, original and copy of the motor vehicle driving license, the car owner’s bank card and other documents.

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