Hua Xia Shi Bao·2025-05-14 09:25Core Viewpoint - A severe hailstorm hit Beijing's Shijingshan District on the evening of May 13, causing significant damage to vehicles and leading to a surge in insurance claims [2][4][10]. Group 1: Impact on Vehicle Owners - Many vehicle owners reported extensive damage, with hailstones comparable to the size of eggs causing dents and broken windows [2][4]. - Insurance claims for vehicle damage surged, with reports of long wait times to connect with insurance companies for claims [2][8]. - Some vehicle owners expressed reluctance to file claims due to anticipated increases in insurance premiums for the following year [2][9]. Group 2: Insurance Coverage and Claims Process - Hail damage is generally covered under vehicle damage insurance, as per the guidelines from the China Insurance Industry Association [4]. - Vehicle damage insurance includes coverage for various incidents, including hail, and does not require separate policies for glass damage since the 2020 reform [4][9]. - Insurance companies advised vehicle owners to report claims within 24 hours and suggested documenting the damage with photos for a smoother claims process [4][10]. Group 3: Insurance Companies' Response - Ping An Insurance reported over 10,436 claims related to the hailstorm, with a significant number coming from Shijingshan and Haidian districts [13][14]. - The company implemented an emergency response plan, including a "prevention-rescue-claims" service scheme to ensure customer safety and expedite claims [13]. - Other insurance companies, such as PICC and Taikang, also reported receiving numerous claims and initiated streamlined processes to enhance claim efficiency [14].