Should the strong wind break the tree and hit the car?

1, strong winds blow down trees, billboards or foreign objects falling from the roof and hit vehicles parked on the roadside, which is a foreign object collapse. There is an agreement on vehicle loss insurance in the insurance clause: during the insurance period, the insurer is responsible for the compensation for the direct loss caused by the "falling or collapse of foreign objects" of the insured motor vehicle, which belongs to the scope of vehicle loss insurance. However, in the case of natural disasters and extreme weather, the vehicle loss insurance generally has a deductible of about 30%, which means that the owner of the vehicle loss insurance will be compensated by the insurance company for 70% of the losses.

If the tree is blown down first and then the vehicle hits in windy weather, it is a collision. According to the insurance clauses, during the insurance period, the insured or its licensed legal driver caused direct losses of the insured motor vehicle due to "collision" during the use of the insured motor vehicle, and the vehicle also purchased vehicle loss insurance. During the insurance period, the insurance company made compensation according to the contract.

2. If the strong wind blows down the tree and damages the private car, the owner should call the police first and wait for the claim adjuster of the insurance company to conduct on-site investigation. At this time, it is necessary to protect the scene and avoid moving cars or trees, because an important reference for insurance companies to make claims is the "scene photos" of the claim adjusters. If the scene is damaged or changed, it may bring trouble to the claim settlement process.

If the sanitation department or other departments want to clean up the broken trees and the claim adjuster has not arrived at the scene, the owner can negotiate with the relevant departments on the one hand and wait for the claim adjuster to conduct on-site investigation before moving the car. On the other hand, car owners can immediately negotiate with the insurance company to coordinate whether they can take photos, leave a license and move the car after obtaining the consent of the insurance company.

3. The crushed vehicle should not be forcibly driven away, and the vehicle is hit by a tree. It is suggested that the owner should not move by himself, and unprofessional rescue may easily lead to secondary injury to the body. The relevant person in charge of the Chancheng Garden Management Office reminded that the big branches and leaves are relatively heavy, and forcibly driving away will lead to secondary damage to the vehicle. Some insurance personnel said that the loss increased due to improper rescue by the owner, which was not within the scope of insurance compensation.