投教·保险｜北京保险业接车险冰雹报案超两万笔，理赔需抓住48小时报案期

Core Viewpoint - A sudden hailstorm hit multiple areas in Beijing on May 13, causing significant damage to vehicles and properties, leading to over 20,000 insurance claims for vehicle damage due to hail as of May 14 [1][2]. Group 1: Insurance Claims and Responses - As of May 14, 16:00, Ping An Property & Casualty Insurance received 15,381 vehicle damage claims due to hail, with the highest claims from Shijingshan (4,957) and Haidian (4,052) districts [2]. - As of May 14, 13:00, China Pacific Insurance reported 6,179 claims specifically attributed to natural disasters, with a concentration in Shijingshan and Haidian districts [4]. - China Life Property & Casualty Insurance mobilized over 300 adjusters and prepared 1,200 repair network points, with 85 rescue vehicles ready for assistance [1]. Group 2: Coverage and Exclusions - Vehicle damage claims for hail include direct damages to windshields, body, lights, and sunroofs, but do not cover damages from non-hail related incidents or if the vehicle was not insured for damage [4]. - For property claims, damages to glass, roofs, and outdoor equipment are covered if the appropriate insurance is in place, but losses from unclosed windows leading to water damage are excluded [5]. - In agriculture, insured greenhouse damages and crop losses due to hail are covered, but losses from failure to take preventive measures are not compensated [5]. Group 3: Claims Process and Recommendations - Consumers are advised to act quickly in the claims process, including taking photos of damages and documenting losses before cleaning up the site [5]. - There are specific reporting time limits: vehicle claims should be reported within 48 hours, while property claims are recommended to be reported within 24 hours [5].